# EDGAR Filing Document

**Accession Number:** 0001142786
**File Stem:** 0001999371-26-010493
**Filing Date:** 2026-5
**Character Count:** 2965172
**Document Hash:** 224a9ca433bb5213f3aadca882f10c96
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-010493.hdr.sgml**: 20260511

**ACCESSION NUMBER**: 0001999371-26-010493

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

**PUBLIC DOCUMENT COUNT**: 69

**CONFORMED PERIOD OF REPORT**: 20260511

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

**FILED AS OF DATE**: 20260511

**DATE AS OF CHANGE**: 20260511

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Residential mortgages - Prime

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-01089
- **FILM NUMBER:** 26964643

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** J.P. Morgan Acceptance Corp II
- **CENTRAL INDEX KEY:** 0001142786
- **STANDARD INDUSTRIAL CLASSIFICATION:** ASSET-BACKED SECURITIES [6189]
- **ORGANIZATION NAME:** Office of Structured Finance
- **EIN:** 364449120
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670
- **BUSINESS PHONE:** 3127820600

**MAIL ADDRESS:**
- **STREET 1:** 1 BANK ONE PLAZA
- **CITY:** CHICAGO
- **STATE:** IL
- **ZIP:** 60670

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** BOND SECURITIZATION LLC
- **DATE OF NAME CHANGE:** 20010618

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

**<u>j.p. morgan acceptance corporation ii</u>**

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

☐ Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period______________ to _________________

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001142786

<u>J.P. Morgan Mortgage Trust 2026-NQM3</u><br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): ________________

Amie Davis, (212) 623-7441

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

EXHIBIT INDEX

---

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

---

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | j.p. morgan acceptance corporation ii | j.p. morgan acceptance corporation ii |
|  | (Depositor) | (Depositor) |
| Date: May 11, 2026 | By: | /s/ Michael Brown |
|  | Name: | Michael Brown |
|  | Title: | Chief Executive Officer (Senior Officer in charge of securitization) |

---

## Exhibit 99.1

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.1**

![](ex991-01.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION**

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

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

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

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

Business Name (if Different):

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

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

Legal Name<u>:</u> <u>JPMorgan Chase Bank, National Association</u> 

Business Name (if Different):

Principal Business Address: <u>270 Park Avenue, 4<sup>th</sup> Floor, New York, NY 10017_____</u> 

**Item 3: Credit rating criteria** 

---

| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| DBRS, Inc. | Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions dated September 30, 2024 |
| Fitch Ratings, Inc. | U.S. RMBS Rating Criteria, October 1, 2025 |
| Kroll Bond Rating Agency, LLC | U.S. RMBS Rating Methodology, December 7, 2023 |
| Moody's Investors Service, Inc. | U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| S&P Global Ratings | Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025 |

---

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

See attached.

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

See attached.

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![](ex991-01.jpg)

**CERTIFICATION**

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

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

By: <u>Tim Van Houtte</u> 

Signature: <u>________/s/ Tim Van Houtte___________</u> 

Date: <u>_May 8, 2026___________</u> 

2 \| Page

![](ex991-01.jpg)

****

<br> **Item 4: Description of the due diligence performed**

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

AMC Diligence, LLC ("**AMC**") performed certain due diligence services described below on residential mortgages acquired from various parties. The review was conducted on behalf of JPMorgan Chase Bank, National Association ("**Client**") during multiple transactions from June 2024 to April 2026 via files imaged and provided by JPMorgan Chase Bank, National Association for review (the "**Review**").

The loans in the Review carried origination dates between May 2024 and March 2026.

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

The Review was conducted on five hundred sixty (560) loans selected by the Client. Subsequent to review, the Client reduced the population to five hundred forty-one (541) mortgage loans with an aggregate original principal balance of approximately $148.801 million for unknown reasons. The Review did not cover 100% of the loans in the securitization population; however, the Review did cover the entire portion of the securitization population reviewed by AMC.

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

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

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

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| # of Units | Coborrower First Name | Investor: Qualifying Total Debt Ratio | Original LTV | Purpose |
| Amortization Term | Coborrower Last Name | Maturity Date | Original P&I | Refi Purpose |
| Appraised Value | Contract Sales Price | Mortgage Type | PITIA Reserves Months | Representative FICO |
| Borrower First Name | Creditor Application Date | Note Date | Prepayment Penalty Period (months) | Residual Income Amount |
| Borrower FTHB | Decision System | Original CLTV | Prepayment Terms | Street |
| Borrower Last Name | Interest Only | Original Interest Rate | Product Description | Subject Debt Service Coverage Ratio |
| City | Interest Rate Life Floor | Original Loan Amount | Property Type | Zip |

---

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

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

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

<u>**CREDIT REVIEW (119 Mortgage Loans)**</u>

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

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

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

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

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

**DU/LP/Zippy Review** 

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

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

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

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

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

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![](ex991-01.jpg)

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

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

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

<u>**LEASES REVIEW (422 Mortgage Loans)**</u>

<u>**DOCUMENT REVIEW**</u>

For each Loan, AMC reviewed the corresponding Loan File and verified whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial loan 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, (j) note, (k) certificate of business purpose/nonowner occupancy, (l) articles of incorporation (m) operating agreement, (n) background check, (o) leases, (p) assignment of leases and rents, (q) closing protection letter, (r) lease agreement(s), and(s) track record report.

<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 were assessed during the review. An income calculation was not performed though the presence of income documentation if required by the guidelines was noted.

**Credit Application:** For the Credit Application, AMC verified 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:** AMC verified (a) a credit report is present for each borrower, (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.

**Employment and Income:** AMC determined whether applicable supporting employment and income documentation required by the guidelines, was present in the mortgage loan file and where possible, wasn't fraudulent.

**Borrowing Entity:** AMC verified the borrowing entity, if not an individual, is properly documented. In addition, AMC verified if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction was made between guarantors and principals, individuals, and business entities.

**Property income:** AMC determined whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios were calculated but instead a "Property DTI/DSCR" was 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.

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**Valuation Review:** 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) 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.

With regard to the use of comparable properties, AMC's review (i) reviewed 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) 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:** AMC assessed whether the asset documentation required by the guidelines is present in the file. AMC verified 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:** AMC (a) looked for the presence of rent loss insurance as required by the guidelines, (b) verified that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirmed that the flood certification is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood certification, confirmed that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

**Title:** AMC verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower. AMC also reviewed the Title Commitment for the disclosure 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; and environmental liens. Review for instances of delinquent taxes (non-liens). In addition, AMC reviewed for Oil, Gas, Water or Mineral rights.

**Fraud / Criminal Background:** To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, AMC looked for an independent, third party fraud report and background check in each file and reviewed 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.

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

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

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

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

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

AMC also considered processes that included Fannie Mae's Collateral Underwriter (CU) or Freddie Mac Loan Collateral Advisor (LCA) on one-unit single-family homes and condos for GSE eligible loans. No additional property value due diligence was completed in cases where CU/LCA indicated that appraisal risk was consistent with the respective GSE's day one RW&E relief. Freddie Mac's Home Value Explorer (HVE) was also considered an acceptable secondary valuation product for GSE-related transactions. If the CU/LCA risk score was ineligible for GSE RW&E relief, then AMC compared a third valuation product (such as a field review) to the original appraisal.

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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

<u>**COMPLIANCE REVIEW (119 Mortgage Loans)**</u>

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

<u>*Qualified Mortgage*</u>

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Credit report;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Income and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Asset documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Sales contract;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Appraisal;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Title/Preliminary Title;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final 1003;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Changed circumstance documentation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Right of Rescission Disclosure;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Note;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Mortgage Insurance;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tangible Net Benefit Disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Subordination Agreement;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• FACTA disclosures;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final HUD-1;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Initial TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Final TIL;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Closing Disclosures; and

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

<u>**LEASES LIMITED COMPLIANCE REVIEW (14 Mortgage Loans)**</u>

Includes Leases Review Scope with additional limited compliance review below.

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

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

with the following:

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

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

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

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

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

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

**(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.

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.

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

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Kroll Bond Rating Agency, Inc. ("Kroll"), and Moody's Investors Service, Inc. ("Moody's") and S&P Global Ratings ("S&P").

**OVERALL REVIEW RESULTS SUMMARY**

There were five hundred forty-one (541) mortgage loans in the securitization population reviewed by AMC. After all documents were presented, under the applicable S&P NRSRO grading criteria, one hundred twenty-seven (127) (23.48%) loans had an overall loan grade of "B". Eleven (11) of the loans with an overall grade of "B" had exceptions across multiple exception types. After all documents were presented, under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria, one hundred twenty-seven (127) (23.48%) loans had an overall loan grade of "B". Ten (10) of the loans with an overall grade of "B" had exceptions across multiple exception types.

---

| | | |
|:---|:---|:---|
| **Exception Type** | **Exception Category** | **Total** |
| Compliance<br> B | GSE | 33 |
|  | TRID Defect | 11 |
|  | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 2 |
|  | State Late Charge | 2 |
|  | ECOA | 2 |
|  | Federal HPML | 1 |
|  | Loan Package Documentation | 1 |
|  | Misc. State Level | 1 |
|  | Missing, Incorrect, or Incomplete Final or Initial 1003 | 1 |
|  | State HPML | 1 |
|  | ***Total Compliance Grade (B) Exceptions:*** | ***55*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **55** |
| Credit<br> B | Guideline | 68 |
|  | Title | 20 |
|  | Borrower and Mortgage Eligibility | 11 |
|  | Credit | 8 |
|  | Loan Package Documentation | 6 |
|  | Asset | 2 |
|  | Missing Document  | 1 |
|  | Loan Eligibility | 1 |
|  | ***Total Credit Grade (B) Exceptions:*** | ***117*** |
| **Total Credit Exceptions:** | **Total Credit Exceptions:** | **117** |

---

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---

| | | | |
|:---|:---|:---|:---|
| Property | B | Property - Appraisal | 1 |
|  |  | Appraisal Reconciliation | 1 |
|  |  | ***Total Property Grade (B) Exceptions:*** | ***2*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **2** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **174** |

---

---

| | | | |
|:---|:---|:---|:---|
| **Exception Type** | **DBRS, Fitch, Kroll, and Moody's Final Exception Rating** | **Exception Category** | **Total** |
| Compliance | Compliance<br> B | GSE | 33 |
|  |  | TRID Defect | 11 |
|  |  | ECOA | 2 |
|  |  | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | 2 |
|  |  | State Late Charge | 2 |
|  |  | ATR/QM Defect | 1 |
|  |  | Federal HPML | 1 |
|  |  | Loan Package Documentation | 1 |
|  |  | Misc. State Level | 1 |
|  |  | Missing, Incorrect, or Incomplete Final or Initial 1003 | 1 |
|  |  | State HPML | 1 |
|  |  | ***Total Compliance Grade (B) Exceptions:*** | ***56*** |
| **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **Total Compliance Exceptions:** | **56** |
| Credit | Credit<br> B | Guideline | 68 |
|  |  | Title | 20 |
|  |  | Borrower and Mortgage Eligibility | 11 |
|  |  | Credit | 8 |
|  |  | Loan Package Documentation | 6 |
|  |  | Asset | 2 |
|  |  | Loan Eligibility | 1 |
|  |  | Missing Document  | 1 |
|  |  | ***Total Credit Grade (B) Exceptions:*** | ***117*** |
|  |  |  | **117** |
| Property | Property<br> B | Property - Appraisal | 1 |
|  |  | ***Total Property Grade (B) Exceptions:*** | ***1*** |
| **Total Property Exceptions:** | **Total Property Exceptions:** | **Total Property Exceptions:** | **1** |
| **Grand Total:** | **Grand Total:** | **Grand Total:** | **174** |

---

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**COMPLIANCE RESULTS SUMMARY**

Of the one hundred thirty-three (133) loans that had a compliance review performed, under the applicable NRSRO grading criteria, forty (40) had a Compliance Review "B" grade. Nine (9) of the loans with an overall grade of "B" had multiple compliance exceptions.

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 93 | 69.92% |
| B | 40 | 30.08% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**PROPERTY/VALUATION REVIEW RESULTS SUMMARY**

Of the five hundred forty-one (541) loans reviewed, under the applicable S&P NRSRO grading criteria, two (2) loans had a Property Review "B" grade for property/appraisal related issues (see exception detail below). Of the five hundred forty-one (541) loans reviewed, under the applicable DBRS, Fitch, Kroll, and Moody's NRSRO grading criteria, one (1) loan had a Property Review "B" grade for property/appraisal related issues (see exception detail below).

---

| | | |
|:---|:---|:---|
| **S&P NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 539 | 99.63% |
| B | 2 | 0.37% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 540 | 99.82% |
| B | 1 | 0.18% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**CREDIT REVIEW RESULTS SUMMARY**

Four hundred forty-five (445) mortgage loans (82.26%) of the total received an "A" Credit Review grade. The ninety-six (96) "B" Credit Review grades were due to missing documentation and/or guideline adherence (see exception detail below). Exceptions were offset by strong compensating factors such as high disposable income, low LTV, and/or high liquid assets.

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **# of Loans** | **% of Loans** |
| A | 445 | 82.26% |
| B | 96 | 17.74% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the five hundred forty-one (541) mortgage loans reviewed, four hundred fourteen (414) (76.52%) mortgage loans had tape discrepancies across thirty-five (35) unique data fields. The most common tape discrepancies were Borrower Last Name (56.56%), Borrower First Name (33.09%) and Contract Sales Price (24.40%).

---

| | | |
|:---|:---|:---|
| **Field** | **# of Loans** | **% of Loans** |
| Borrower Last Name | 306 | 56.56% |
| Borrower First Name | 179 | 33.09% |
| Contract Sales Price | 132 | 24.40% |
| Original Interest Rate | 93 | 17.19% |
| Representative FICO | 67 | 12.38% |

---

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---

| | | |
|:---|:---|:---|
| Property Type | 59 | 10.91% |
| Original P&I | 53 | 9.80% |
| Subject Debt Service Coverage Ratio | 51 | 9.43% |
| Coborrower First Name | 40 | 7.39% |
| Original Loan Amount | 30 | 5.55% |
| Original LTV | 26 | 4.81% |
| Coborrower Last Name | 25 | 4.62% |
| Original CLTV | 25 | 4.62% |
| Note Date | 17 | 3.14% |
| Appraised Value | 17 | 3.14% |
| Refi Purpose | 17 | 3.14% |
| Street | 13 | 2.40% |
| Investor: Qualifying Total Debt Ratio | 13 | 2.40% |
| Decision System | 13 | 2.40% |
| Borrower FTHB | 8 | 1.48% |
| Amortization Term | 3 | 0.55% |
| City | 3 | 0.55% |
| Zip | 3 | 0.55% |
| Product Description | 2 | 0.37% |
| Maturity Date | 2 | 0.37% |
| Interest Only | 2 | 0.37% |
| Prepayment Terms | 2 | 0.37% |
| PITIA Reserves Months | 1 | 0.18% |
| Residual Income Amount | 1 | 0.18% |
| Interest Rate Life Floor | 1 | 0.18% |
| # of Units | 1 | 0.18% |
| Mortgage Type | 1 | 0.18% |
| Purpose | 1 | 0.18% |
| Prepayment Penalty Period (months) | 1 | 0.18% |
| Creditor Application Date | 1 | 0.18% |

---

**ADDITIONAL LOAN POPULATION SUMMARY\***

---

| | | | | |
|:---|:---|:---|:---|:---|
| **TPR Loan Designation** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| N/A (investment property consumer mortgage) | 422 | 78.00% | $88519109.00 | 59.49% |
| Non QM | 111 | 20.52% | $54489644.00 | 36.62% |
| Safe Harbor QM (APOR) | 4 | 0.74% | $4746372.00 | 3.19% |
| N/A | 4 | 0.74% | $1045500.00 | 0.70% |
| **Total** | **541** | **100.00%** | **$148800625.00** | **100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Amortization Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Fixed | 534 | 98.71% | $144430625.00 | 97.06% |
| Adjustable | 7 | 1.29% | $4370000.00 | 2.94% |
| **Total** | **541** | **100.00%** | **$148800625.00** | **100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| **Lien Position** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 1 | 541 | 100.00% | $148800625.00 | 100.00% |
| **Total** | **541** | **100.00%** | **$148800625.00** | **100.00%** |
| **Loan Purpose** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Cash Out: Other/Multi-purpose/Unknown Purpose | 310 | 57.30% | $73608089.00 | 49.47% |
| Other-than-first-time Home Purchase | 124 | 22.92% | $36948822.00 | 24.83% |
| Rate/Term Refinance - Borrower Initiated | 84 | 15.53% | $26386582.00 | 17.73% |
| First Time Home Purchase | 23 | 4.25% | $11857132.00 | 7.97% |
| **Total** | **541** | **100.00%** | **$148800625.00** | **100.00%** |
| **Original Term** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| 241-360 Months | 541 | 100.00% | $148800625.00 | 100.00% |
| **Total** | **541** | **100.00%** | **$148800625.00** | **100.00%** |
| **Property Type** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Single Family Detached | 338 | 62.48% | $75006366.00 | 50.41% |
| PUD | 54 | 9.98% | $27268684.00 | 18.33% |
| 1 Family Attached | 51 | 9.43% | $8299150.00 | 5.58% |
| 2 Family | 44 | 8.13% | $12521010.00 | 8.41% |
| Condo, Low Rise | 16 | 2.96% | $5552403.00 | 3.73% |
| 3 Family | 12 | 2.22% | $4716859.00 | 3.17% |
| 5-10 Unit Multi-Family | 9 | 1.66% | $7619400.00 | 5.12% |
| Condo, High Rise | 6 | 1.11% | $3787003.00 | 2.55% |
| 4 Family | 6 | 1.11% | $2950000.00 | 1.98% |
| Townhouse | 4 | 0.74% | $686000.00 | 0.46% |
| Office | 1 | 0.18% | $393750.00 | 0.26% |
| **Total** | **541** | **100.00%** | **$148800625.00** | **100.00%** |
| **Occupancy** | **Loan Count** | **% of Loans** | **Original Balance** | **% of Balance** |
| Investment | 429 | 79.30% | $90222559.00 | 60.63% |
| Primary | 104 | 19.22% | $55180178.00 | 37.08% |
| Second Home | 8 | 1.48% | $3397888.00 | 2.28% |
| **Total** | **541** | **100.00%** | **$148800625.00** | **100.00%** |

---

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

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**EXCEPTION DETAIL**

The exception summary below ties to the total number of B exceptions for the population included in the Review. Some mortgage loans may be listed multiple times if they carried multiple exception categories even if those categories were within the same general exception category (ex. Disclosures and RESPA Tolerance within Compliance).

---

| | | |
|:---|:---|:---|
| **S&P Exceptions**  | **# of Loans** | **Exception Type** |
| Fannie Mae 2014 - 3% Points and Fees | 32<br> B | Compliance |
| TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | 8<br> B | Compliance |
| Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | 2<br> B | Compliance |
| Note Error: Note late charge percentage exceeds maximum per state | 2<br> B | Compliance |
| TRID Lender Credit Tolerance Violation | 1<br> B | Compliance |
| Missing Document: Missing Lender's Initial 1003 | 1<br> B | Compliance |
| TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | 1<br> B | Compliance |
| Note Error: Note grace period days less than minimum per state | 1<br> B | Compliance |
| Michigan CMPA Home Loan Toolkit Timing | 1<br> B | Compliance |
| TIL Higher Priced Mortgage Loan Safe Harbor Test | 1<br> B | Compliance |
| Massachusetts HPML Threshold Test Compliant | 1<br> B | Compliance |
| ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | 1<br> B | Compliance |
| TRID Final Closing Disclosure Contact Information - Lender | 1<br> B | Compliance |
| FNMA Points and Fees | 1<br> B | Compliance |
| ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | 1<br> B | Compliance |
| Guideline Requirement: Representative FICO score discrepancy. | 21<br> B | Credit |
| Title Policy Coverage is less than Original Loan Amount. | 19<br> B | Credit |
| Credit Exception: | 17<br> B | Credit |
| Aged document: Credit Report is more than 90 days prior to the note date. | 8<br> B | Credit |
| Ineligible property type. | 6<br> B | Credit |
| Ineligible Property Type per the guidelines. | 6<br> B | Credit |
| Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | 4<br> B | Credit |
| Guideline Requirement: Loan to value discrepancy. | 4<br> B | Credit |
| Guideline Requirement: PITIA reserves months discrepancy. | 4<br> B | Credit |
| Guideline Requirement: Minimum Loan Amount discrepancy. | 4<br> B | Credit |
| Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | 3<br> B | Credit |
| Insufficient funds for Reserves. Guidelines require | 2<br> B | Credit |
| Public Record Issue: | 2<br> B | Credit |
| Missing Document: Operating Agreement not provided | 2<br> B | Credit |
| Missing Document: Corporate Resolution not provided | 2<br> B | Credit |
| Miscellaneous Credit (Non-Material): | 2<br> B | Credit |
| Missing Document: Asset not provided | 1<br> B | Credit |
| Missing Document: Articles of Organization/Formation not provided | 1<br> B | Credit |

---

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---

| | | |
|:---|:---|:---|
| Missing Document: Certificate of Good Standing not provided | 1<br>B | Credit |
| The Guarantor's Percent of Business Ownership does not meet guideline requirements. | 1<br> B | Credit |
| Rural property type is not permitted per Guidelines. | 1<br> B | Credit |
| Missing Document: Credit Report not provided | 1<br> B | Credit |
| Credit history reflects lates that do not meet guidelines. | 1<br> B | Credit |
| Guideline Issue: Bankruptcy timeline outside of credit guidelines | 1<br> B | Credit |
| Minimum of 600 square feet of gross living area required per company guidelines. | 1<br> B | Credit |
| The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 1<br> B | Credit |
| Missing Document: OFAC not provided | 1<br> B | Credit |
| 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 | 1<br> B | Property |
| Appraisal is required to be in name of Lender | 1<br> B | Property |

---

---

| | | |
|:---|:---|:---|
| **DBRS, Fitch, Kroll, and Moody's Exceptions**  | **# of Loans** | **Exception Type** |
| Fannie Mae 2014 - 3% Points and Fees | 32<br> B | Compliance |
| TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | 8<br> B | Compliance |
| Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | 2<br> B | Compliance |
| Note Error: Note late charge percentage exceeds maximum per state | 2<br> B | Compliance |
| TRID Lender Credit Tolerance Violation | 1<br> B | Compliance |
| Missing Document: Missing Lender's Initial 1003 | 1<br> B | Compliance |
| TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | 1<br> B | Compliance |
| Note Error: Note grace period days less than minimum per state | 1<br> B | Compliance |
| Michigan CMPA Home Loan Toolkit Timing | 1<br> B | Compliance |
| TIL Higher Priced Mortgage Loan Safe Harbor Test | 1<br> B | Compliance |
| Massachusetts HPML Threshold Test Compliant | 1<br> B | Compliance |
| ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | 1<br> B | Compliance |
| TRID Final Closing Disclosure Contact Information - Lender | 1<br> B | Compliance |
| FNMA Points and Fees | 1<br> B | Compliance |
| ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | 1<br> B | Compliance |
| Guideline Requirement: Representative FICO score discrepancy. | 21<br> B | Credit |
| Title Policy Coverage is less than Original Loan Amount. | 19<br> B | Credit |
| Credit Exception: | 17<br> B | Credit |
| Aged document: Credit Report is more than 90 days prior to the note date. | 8<br> B | Credit |
| Ineligible property type. | 6<br> B | Credit |
| Ineligible Property Type per the guidelines. | 6<br> B | Credit |

---

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---

| | | |
|:---|:---|:---|
| Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. | 4<br>B | Credit |
| Guideline Requirement: Loan to value discrepancy. | 4<br> B | Credit |
| Guideline Requirement: PITIA reserves months discrepancy. | 4<br> B | Credit |
| Guideline Requirement: Minimum Loan Amount discrepancy. | 4<br> B | Credit |
| Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. | 3<br> B | Credit |
| Insufficient funds for Reserves. Guidelines require | 2<br> B | Credit |
| Public Record Issue: | 2<br> B | Credit |
| Missing Document: Operating Agreement not provided | 2<br> B | Credit |
| Missing Document: Corporate Resolution not provided | 2<br> B | Credit |
| Miscellaneous Credit (Non-Material): | 2<br> B | Credit |
| Missing Document: Asset not provided | 1<br> B | Credit |
| Missing Document: Articles of Organization/Formation not provided | 1<br> B | Credit |
| Missing Document: Certificate of Good Standing not provided | 1<br> B | Credit |
| The Guarantor's Percent of Business Ownership does not meet guideline requirements. | 1<br> B | Credit |
| Rural property type is not permitted per Guidelines. | 1<br> B | Credit |
| Missing Document: Credit Report not provided | 1<br> B | Credit |
| Credit history reflects lates that do not meet guidelines. | 1<br> B | Credit |
| Guideline Issue: Bankruptcy timeline outside of credit guidelines | 1<br> B | Credit |
| Minimum of 600 square feet of gross living area required per company guidelines. | 1<br> B | Credit |
| The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. | 1<br> B | Credit |
| Missing Document: OFAC not provided | 1<br> B | Credit |
| Appraisal is required to be in name of Lender | 1<br> B | Property |

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22 \| Page

## Exhibit 99.2

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
| 304326013 | Product Description | 30 YR FIXED | Fixed Rate | Verified | Field value reflects source document |
| 304326013 | PITIA Reserves Months |  | 14.57 | Verified | Field value reflects source document |
| 304326013 | Residual Income Amount | xxxx | xxxx | Verified | Field value reflects source document |
| 304436479 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 304438712 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304680597 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304680597 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 304680597 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 304680597 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304734611 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304750281 | Subject Debt Service Coverage Ratio | 1.07 | 1.19 | Verified | Matches lenders approval. |
| 304758713 | Subject Debt Service Coverage Ratio | 1.58 | 1.51 | Verified | Lender considered qualifying rent is $xxxx which is 100% of market rent however, qualifying rent which is calculated by field value is $xxxx and its impacting on DSCR ratio. |
| 304730125 | Subject Debt Service Coverage Ratio | 1.99 | 2.00 | Verified | Rounded off. |
| 304750341 | Subject Debt Service Coverage Ratio | 1.33 | 1.48 | Verified | Field value reflects source document |
| 304764158 | Subject Debt Service Coverage Ratio | 1.04 | 1.16 | Verified | Field value reflects source document |
| 304759908 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304764230 | Subject Debt Service Coverage Ratio | 1.28 | 1.39 | Verified | DSCR mismatch due to change in qualifying rent. Lender considered $xxxx however, field review using $xxxx. Calculated DSCR: Rent: $xxxx / PITIA: $xxxx = 1.3199% |
| 304819409 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 304819409 | Interest Rate Life Floor | 6.5 | 0 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
| 304720358 | Subject Debt Service Coverage Ratio | 1.34 | 1.42 | Verified | The market rent is $xxxx and verified PITIA is $xxxx. Unable to determine the difference as the lender's calculation is not in the file. |
| 304757996 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304757996 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304757996 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304757996 | Representative FICO | 803 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304757996 | Original CLTV | 50 | 46.51163 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 304757996 | Original LTV | 50 | 46.51163 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304757996 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304779571 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 304734637 | Subject Debt Service Coverage Ratio | 3.28 | 3.61 | Verified | Lender used market rents of $xxxx to calculate DSCR. Field review utilized lower of lease amount or 110% of market rents. |
| 304754832 | Subject Debt Service Coverage Ratio | 1.23 | 1.43 | Verified | Field value reflects source document |
| 304754833 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304754833 | Original LTV | 70 | 60.7717 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 304844392 | Subject Debt Service Coverage Ratio | 1.58 | 1.67 | Verified | Lender considered qualifying rent is $xxxx which is current list rent. System is calculating DSCR using market rent $xxxx. |
| 304874056 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304874056 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304856343 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304856343 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 304856343 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304856343 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 304856343 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 304874908 | Investor: Qualifying Total Debt Ratio | 13 | 31.93564 | Verified | Matches approval. |
| 304839631 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304839631 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304839631 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304839631 | Original Interest Rate | 7 | 6.875 | Verified | Field Value reflects the Note value |
| 304839631 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 304828376 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 304828376 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304828376 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304828376 | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
| 304764190 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849079 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304849079 | Subject Debt Service Coverage Ratio | 1.66 | 1.71 | Verified | Lender utilized rent of $xxxx in calculation of DSCR, field value reflects $xxxx (unit 3 vacant no lease provided). |
| 304889779 | Subject Debt Service Coverage Ratio | 1.28 | 1.38 | Verified | DSCR worksheet matches field value but does not match DSCR on the tape. |
| 304869279 | Subject Debt Service Coverage Ratio | 1.09 | 1.25 | Verified | Lender considered rent of $xxxx for HAP amount only; Lease indicates total rent of $xxxx which includes HAP payment and borrower's portion of rent. |
| 304868679 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868679 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304868696 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868696 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868678 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868678 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868678 | Property Type | 4 Family | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304868678 | # of Units | 5 | 7 | Verified | Field value reflects source document |
| 304868666 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304868668 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304868668 | Maturity Date | xxxx | xxxx | Verified | Field Value reflects Maturity Date per the Note |
| 304868695 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304868680 | Original Interest Rate | 6.999 | 6.9999 | Verified | Field Value reflects the Note value |
| 304894182 | Subject Debt Service Coverage Ratio | 1.11 | 1.25 | Verified | DSCR = Gross Rent/PITIA = xxxx/xxxx = 1.2474 |
| 304891103 | Property Type | Multi Family | Commercial | Verified | Field Value captured from Appraisal or Valuation model in file |
| 304891103 | Mortgage Type |  | Conventional without MI | Verified | Field Value reflects Mortgage Type per the Note |
| 304891103 | Product Description | NANQ / Business 5+ Unit - 30 Yr Fixed - PPP | Fixed Rate | Verified | Field value reflects source document |
| 305034513 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034513 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305034513 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305034513 | Original CLTV | 55 | 57.5 | 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) |
| 305034513 | Original LTV | 55 | 57.5 | Verified | Tape Value reflects the CLTV value |
| 305034513 | Subject Debt Service Coverage Ratio | 1.18 | 1.22 | Verified | Field value reflects source document |
| 305029162 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305029162 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305029162 | Representative FICO | 800 | 788 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305029162 | Property Type | Commercial | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043844 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 305043844 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043844 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305034455 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034455 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043837 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043837 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043837 | Representative FICO | 721 | 678 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043837 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305030665 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030665 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030665 | Property Type | Commercial | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043843 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043843 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043833 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043833 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043833 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043839 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043839 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043839 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305043839 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305034436 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034436 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034436 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305034436 | Representative FICO | 777 | 754 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305034436 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043859 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043859 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305043859 | Representative FICO | 808 | 805 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305043859 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305034451 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034451 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034451 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305034451 | Representative FICO | 664 | 656 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305034451 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305034462 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034462 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305034462 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305034462 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305034462 | Original CLTV | 52.672 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305034462 | Original LTV | 52.672 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305030669 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305030669 | Representative FICO | 696 | 694 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305030669 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305043819 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043819 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305043819 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305043819 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305043819 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305043819 | Original CLTV | 70 | 71.33641 | 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) |
| 305043819 | Original LTV | 70 | 71.33641 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305054777 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054777 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054777 | Representative FICO | 741 | 722 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054777 | Original CLTV | 66.99 | 68.64516 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305054777 | Original LTV | 66.99 | 68.64516 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305054727 | Representative FICO | 708 | 704 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054706 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054706 | Original Interest Rate | 6.71 | 6.708 | Verified | Field Value reflects the Note value |
| 305054706 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054789 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054789 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054789 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054789 | Original Interest Rate | 6.13 | 6.025 | Verified | Field Value reflects the Note value |
| 305054789 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054789 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305054760 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054760 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054760 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054760 | Original Interest Rate | 7.13 | 7.375 | Verified | Field Value reflects the Note value |
| 305054760 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054760 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054760 | 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 |
| 305054760 | Original CLTV | 57.5 | 62.5 | Verified | Matches approval. |
| 305054760 | Original LTV | 57.5 | 62.5 | Verified | Matches approval. |
| 305054737 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305054737 | Representative FICO | 727 | 720 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054703 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054703 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054703 | Original Interest Rate | 6.62 | 6.618 | Verified | Field Value reflects the Note value |
| 305054703 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054703 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054767 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054767 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054767 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054767 | Original Interest Rate | 6.5 | 6 | Verified | Field Value reflects the Note value |
| 305054767 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054767 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305054767 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Field Value reflects borrower not receiving cash out and/or paying off debts > $2,000 or 2% of loan amount per HUD-1/CD |
| 305054767 | Original CLTV | 77.9 | 75 | Verified | Field value matched with approval |
| 305054767 | Original LTV | 77.9 | 75 | Verified | Field value matched with approval |
| 305054757 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054757 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054757 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054757 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054757 | Representative FICO | 728 | 723 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054757 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054757 | Original CLTV | 80 | 77.55556 | 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) |
| 305054757 | Original LTV | 80 | 77.55556 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305054783 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054783 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054783 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 305054783 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305054769 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054769 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054739 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054739 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054739 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054739 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054739 | Representative FICO | 776 | 750 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054739 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054738 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054738 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054738 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054738 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054738 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305054738 | Representative FICO | 786 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054738 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054738 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054738 | 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 |
| 305054729 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054729 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305054702 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054702 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054702 | Original Interest Rate | 6.62 | 6.618 | Verified | Field Value reflects the Note value |
| 305054702 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054748 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305054748 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054748 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054748 | Representative FICO | 804 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054772 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054772 | Original Interest Rate | 7.62 | 7.618 | Verified | Field Value reflects the Note value |
| 305054763 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054763 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054763 | Original Interest Rate | 7.88 | 6.75 | Verified | Field Value reflects the Note value |
| 305054763 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054763 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305054763 | Refi Purpose | Cash-out | 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 |
| 305054736 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054736 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054736 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054736 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054736 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054736 | Representative FICO | 786 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054736 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054736 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054736 | 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 |
| 305029030 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305029030 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305029030 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305029030 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305029030 | Representative FICO | 738 | 693 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305029030 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305054753 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054704 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054704 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054774 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054774 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054774 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 305054774 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054774 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305054768 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054768 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054768 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054768 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054768 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305054768 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054759 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054759 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054759 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054759 | Original Interest Rate | 7.5 | 7.125 | Verified | Field Value reflects the Note value |
| 305054759 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054759 | Representative FICO | 728 | 723 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054759 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054759 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054759 | 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) |
| 305054759 | Original LTV | 80 | 75 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305054758 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054758 | Original Interest Rate | 7.5 | 7.75 | Verified | Field Value reflects the Note value |
| 305054758 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054758 | Representative FICO | 806 | 777 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054719 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054719 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305054700 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054700 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054700 | Original Interest Rate | 6.56 | 6.558 | Verified | Field Value reflects the Note value |
| 305054700 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054780 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054780 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054780 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054765 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054765 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054765 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054765 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054765 | Original Interest Rate | 6.13 | 6 | Verified | Field Value reflects the Note value |
| 305054765 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054765 | Representative FICO | 729 | 755 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054765 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305054734 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054734 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054734 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054734 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054734 | Representative FICO | 660 | 688 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054734 | Original CLTV | 70 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305054734 | Original LTV | 70 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305054712 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054712 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054751 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054751 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054792 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054776 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054776 | Original Interest Rate | 6 | 6.375 | Verified | Field Value reflects the Note value |
| 305054776 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054776 | Representative FICO | 806 | 698 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054756 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054756 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054756 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054731 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054731 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054731 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054731 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054731 | Representative FICO | 761 | 760 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054715 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054715 | Original Interest Rate | 7.5 | 7.25 | Verified | Field Value reflects the Note value |
| 305054715 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054715 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054714 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054714 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054714 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054714 | Original Interest Rate | 6.88 | 6.75 | Verified | Field Value reflects the Note value |
| 305054714 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054714 | Original CLTV | 75 | 61.3913 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305054714 | Original LTV | 75 | 61.3913 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305054708 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054708 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054708 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054708 | Representative FICO | 677 | 697 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054708 | Original CLTV | 70 | 76.94458 | 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) |
| 305054708 | Original LTV | 70 | 76.94458 | Verified | Tape Value reflects the CLTV value |
| 305054773 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054773 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054773 | Purpose | Purchase | Refinance | Verified | Field Value reflects the Purpose per the Final HUD-1/Final CD |
| 305054773 | Refi Purpose |  | 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 |
| 305054764 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054764 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054764 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054764 | Original Interest Rate | 6.25 | 6.125 | Verified | Field Value reflects the Note value |
| 305054764 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054764 | Representative FICO | 729 | 755 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054764 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054741 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054741 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054741 | Original Interest Rate | 7 | 6.875 | Verified | Field Value reflects the Note value |
| 305054741 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054741 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054710 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054710 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054710 | Representative FICO | 796 | 781 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054771 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054771 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054771 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054771 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054771 | Original Interest Rate | 6.38 | 6.25 | Verified | Field Value reflects the Note value |
| 305054771 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054771 | Representative FICO | 729 | 755 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054771 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305054771 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054730 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054730 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305050337 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305050337 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305050337 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 305050337 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305050337 | Property Type | Commercial | Multifamily | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305050337 | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 305050337 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054754 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054754 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054745 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054779 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054779 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054733 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054723 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054723 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305054723 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054723 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305054723 | Representative FICO | 799 | 710 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305054723 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305051445 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305034487 | Subject Debt Service Coverage Ratio | 1.32 | 1.20 | Verified | Variance in DSCR is due to rent considered. Lender considered $xxxx while field value is 90% of market rent of $xxxx. |
| 305024339 | Subject Debt Service Coverage Ratio | 1.26 | 1.19 | Verified | DSCR mismatch due to rents considered. Lender considers market rent of $xxxx, while field review considers lease amount of $xxxx. |
| 305034466 | Subject Debt Service Coverage Ratio | 1.41 | 1.57 | Verified | Lender considered qualifying rent of $xxxx field value is $xxxx, Taxes as per lender is $xxxx and actual taxes as per document is $xxxx and its impacting on DSCR ratio. |
| 304894604 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304894604 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 304894604 | Representative FICO | 762 | 809 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 304894604 | Decision System | DU |  | Verified | Field value reflects source document |
| 305060439 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060439 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060439 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060439 | Representative FICO | 791 | 725 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060916 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060916 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060910 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060910 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060910 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 305060910 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060447 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060530 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060530 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060530 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060429 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060429 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060429 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060927 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060927 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060919 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060919 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060919 | Original Interest Rate | 7.88 | 7.875 | Verified | Field Value reflects the Note value |
| 305060919 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060915 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060915 | Representative FICO | 699 | 675 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060909 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060909 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060901 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060901 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060542 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060542 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060885 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060885 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305060885 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060873 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060872 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060872 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060505 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060491 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060491 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060491 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305060491 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060491 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060445 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 305060445 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060558 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060558 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060558 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305060558 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060552 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060552 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060552 | Original Interest Rate | 7.5 | 7.75 | Verified | Field Value reflects the Note value |
| 305060552 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060552 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060922 | Original Interest Rate | 7.75 | 7.4 | Verified | Field Value reflects the Note value |
| 305060922 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060906 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060906 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060543 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060543 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060450 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060450 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060450 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060450 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305060450 | Original CLTV | 44.91 | 54.89022 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305060450 | Original LTV | 44.91 | 54.89022 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305060865 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060841 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060841 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060841 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 305060840 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060840 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060840 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060840 | 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 |
| 305060828 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060828 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060828 | Original Interest Rate | 5.88 | 5.75 | Verified | Field Value reflects the Note value |
| 305060828 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060828 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060827 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060827 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060827 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Unable to verify due to missing information |
| 305060579 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060579 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060579 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060579 | Original CLTV | 73.18 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305060579 | Original LTV | 73.18 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305060578 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060578 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060578 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060528 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060528 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060527 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060521 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060521 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060521 | Representative FICO | 716 | 714 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060521 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060435 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060440 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060440 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060440 | Original Interest Rate | 5.88 | 5.875 | Verified | Field Value reflects the Note value |
| 305060488 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060488 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060488 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060474 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060474 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060474 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060454 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060454 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060454 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060881 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060881 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060881 | Original Interest Rate | 6.63 | 6.25 | Verified | Field Value reflects the Note value |
| 305060881 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060881 | Original CLTV | 70.59 | 65 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305060881 | Original LTV | 70.59 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305060878 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060878 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060867 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060867 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060867 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060866 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060856 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060856 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060856 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060856 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305060847 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060567 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305060567 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060567 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060567 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060516 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060516 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060499 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060499 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060499 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060431 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060550 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060550 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060550 | Representative FICO | 781 | 715 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060548 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060548 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060548 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305060923 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060923 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060538 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060538 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060538 | Representative FICO | 768 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060538 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060537 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060537 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060467 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060467 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060467 | Original Interest Rate | 7.13 | 7.625 | Verified | Field Value reflects the Note value |
| 305060467 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060467 | Representative FICO | 768 | 753 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060467 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305060869 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060869 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060832 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060832 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060832 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305060832 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060832 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305060584 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060584 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060584 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060584 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060584 | 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 |
| 305060485 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060485 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060485 | Original Interest Rate | 6.13 | 6.125 | Verified | Field Value reflects the Note value |
| 305060485 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060559 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060933 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060933 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060933 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060928 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060928 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060928 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060928 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305060928 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060920 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060914 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060914 | Original Interest Rate | 7.75 | 7.4 | Verified | Field Value reflects the Note value |
| 305060914 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060914 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060914 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Approved as cash out, blanket mortgage. |
| 305060898 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060898 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060540 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060540 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060540 | Representative FICO | 763 | 747 | Verified | Lower middle score of the 2 guarantors. |
| 305060540 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060477 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060476 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060453 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060451 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060451 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060451 | Original Interest Rate | 7.38 | 7.125 | Verified | Field Value reflects the Note value |
| 305060451 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060451 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060451 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060451 | Refi Purpose | Cash-out | 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 |
| 305060871 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060871 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060871 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 305060871 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060853 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060509 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060509 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060509 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 305060509 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060434 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060442 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060442 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060442 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060480 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060577 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060577 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060529 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060529 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060507 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060507 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060507 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060507 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060506 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060506 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060506 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060506 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 305060506 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060506 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060506 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060506 | Original CLTV | 72.43 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305060506 | Original LTV | 72.43 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305060436 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060436 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060555 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060555 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060829 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060829 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060829 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060829 | Representative FICO | 786 | 706 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060829 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060824 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060824 | Appraised Value | xxxx | xxxx | Verified | Tape Value reflects Purchase Price |
| 305060580 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060580 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060580 | Original Interest Rate | 7.63 | 7.625 | Verified | Field Value reflects the Note value |
| 305060580 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060526 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060526 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060526 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 305060526 | Representative FICO | 772 | 728 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060526 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060497 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060497 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060494 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060494 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060493 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060493 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060493 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060493 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 305060493 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060493 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305060483 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060483 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060483 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060554 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060468 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060468 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060468 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060460 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060460 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060459 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060459 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060446 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060446 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060446 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060888 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060888 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060888 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060888 | Original Interest Rate | 6.63 | 6.875 | Verified | Field Value reflects the Note value |
| 305060888 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060888 | Representative FICO | 738 | 685 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060888 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060876 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060876 | Original Interest Rate | 6.25 | 6.375 | Verified | Field Value reflects the Note value |
| 305060876 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060859 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060859 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060859 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 305060859 | Representative FICO | 723 | 712 | Verified | Lowest of the 2 borrower's middle score. |
| 305060859 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060849 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305060849 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060849 | Representative FICO | 811 | 792 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060848 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060848 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060848 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305060848 | Contract Sales Price | xxxx | xxxx | Verified | n/a - refinance |
| 305060826 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060826 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060826 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 305060826 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305060825 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060825 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060825 | Original Interest Rate | 7.25 | 7.125 | Verified | Field Value reflects the Note value |
| 305060825 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060825 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060576 | Borrower First Name | xxxx | xxxx | Verified | N/A |
| 305060576 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060575 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060575 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060574 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060574 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060574 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 305060574 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060573 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060573 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060573 | Representative FICO | 713 | 710 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060573 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060502 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060502 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060502 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305060501 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060501 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060501 | Representative FICO | 783 | 755 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060500 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060438 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060482 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060557 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060557 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060557 | Original Interest Rate | 6.65 | 6.654 | Verified | Field Value reflects the Note value |
| 305060557 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060547 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060931 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060931 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060931 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060931 | Contract Sales Price | xxxx | xxxx | Verified | n/a - refinance |
| 305060925 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060925 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060924 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060473 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060472 | Representative FICO | 759 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060472 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060519 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060519 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060518 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060560 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060560 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060560 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060560 | Original CLTV | 50 | 54.61538 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305060560 | Original LTV | 50 | 54.61538 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305060544 | Representative FICO | 809 | 664 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060934 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060921 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060921 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060921 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060918 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060918 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060913 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060913 | Representative FICO | 796 | 794 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060897 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060897 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060897 | Original Interest Rate | 8.13 | 8.125 | Verified | Field Value reflects the Note value |
| 305060897 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060897 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060893 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060893 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060893 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060893 | Original Interest Rate | 7.25 | 6.875 | Verified | Field Value reflects the Note value |
| 305060893 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060893 | Representative FICO | 800 | 733 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060893 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060535 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060535 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060535 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305060880 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060880 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060880 | Original Interest Rate | 7.38 | 7.75 | Verified | Field Value reflects the Note value |
| 305060880 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060880 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305060879 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060879 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060879 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060879 | Original Interest Rate | 6.63 | 6.375 | Verified | Field Value reflects the Note value |
| 305060879 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060879 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060879 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060879 | Original CLTV | 75 | 70 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305060879 | Original LTV | 75 | 70 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305060563 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060563 | Original Interest Rate | 5.88 | 5.75 | Verified | Field Value reflects the Note value |
| 305060563 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060563 | Representative FICO | 728 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060495 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060495 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060495 | Original Interest Rate | 6.88 | 6.875 | Verified | Alternate format, not a true discrepancy |
| 305060433 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060433 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060433 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060433 | Representative FICO | 764 | 716 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060441 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060478 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060478 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060549 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060549 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060549 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060926 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060926 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060917 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060892 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060892 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060892 | Original Interest Rate | 7.25 | 7.375 | Verified | Field Value reflects the Note value |
| 305060892 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060892 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060891 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060891 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060533 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060533 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060533 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305060533 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060533 | 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 |
| 305060471 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060471 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060471 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305060471 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060470 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060456 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060456 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060456 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305060456 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060456 | 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 |
| 305060455 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060455 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060887 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060887 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060887 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060887 | Representative FICO | 784 | 773 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060887 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060875 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060875 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060875 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060874 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060874 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060874 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060863 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060863 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060836 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060836 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060836 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 305060836 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305060835 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060835 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060835 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060835 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305060835 | Representative FICO | 738 | 689 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305060835 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060834 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060834 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060571 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060571 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060571 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305060571 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060515 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060515 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060515 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060515 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305060514 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060514 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060514 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305060514 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305060514 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305060514 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305060513 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060513 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305060513 | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305061641 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 305061641 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Security Instrument |
| 305054635 | Original Interest Rate | 7.4 | 7.399 | Verified | Field Value reflects the Note value |
| 305054635 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305054587 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305044783 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305044783 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305044783 | Original Interest Rate | 5.94 | 5.943 | Verified | Field Value reflects the Note value |
| 305057539 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305057599 | Original Interest Rate | 6.38 | 6.375 | Verified | Field Value reflects the Note value |
| 305030657 | Representative FICO | 702 | 731 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305030657 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305057541 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305057952 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305057525 | Investor: Qualifying Total Debt Ratio | 35.53 | 38.94584 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
| 305052634 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305061674 | Original Interest Rate | 8.38 | 8.375 | Verified | Field Value reflects the Note value |
| 305057897 | Original Interest Rate | 8.5 | 8.499 | Verified | Field Value reflects the Note value |
| 305057897 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305061545 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305061545 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305061545 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305061545 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 305063733 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305063733 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305063733 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305063733 | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305061080 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305061080 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305072143 | Property Type | PUD | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305072143 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305072143 | Prepayment Terms | 60 Months Interest | 5% | Verified | Field Value reflects 'PrePayment Terms' per the Note |
| 305072142 | Subject Debt Service Coverage Ratio | 0.98 | 1.00 | Verified | Field value reflects source document |
| 305072145 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305072145 | Original Interest Rate | 6.88 | 7.125 | Verified | Field Value reflects the Note value |
| 305072145 | Original P&I | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305072145 | Interest Only | 0 | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
| 305072145 | Prepayment Terms | 24 Months Interest | 6 Months Interest | Verified | Unable to verify due to missing information |
| 305072147 | Representative FICO | 807 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305072129 | Investor: Qualifying Total Debt Ratio |  | 40.43243 | Verified | Alternate format, not a true discrepancy |
| 305072109 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305072109 | Original CLTV | 37.27 | 40.26846 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305072109 | Original LTV | 37.27 | 40.26846 | Verified | 1008 manual UW at $40.26% DTI |
| 305039466 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305039466 | Investor: Qualifying Total Debt Ratio | 38.5414 | 26.68307 | Verified | Per 1008 DTI is 26.683% and calculated DTI is 26.683% |
| 305039466 | Decision System | DU |  | Verified | Field value reflects source document |
| 305064397 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305064748 | Original Interest Rate | 7.07 | 7.068 | Verified | Field Value reflects the Note value |
| 305054918 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305054918 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305054918 | Original CLTV | 62.17 | 58.05054 | Verified | Per document |
| 305054918 | Original LTV | 62.17 | 58.05054 | Verified | Per document |
| 305060406 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305064971 | Original Interest Rate | 6.2 | 6.199 | Verified | Field Value reflects the Note value |
| 305064971 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305060687 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305069533 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305069533 | Representative FICO | 804 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
| 305069533 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the HUD-1 or CD |
| 305069533 | Subject Debt Service Coverage Ratio | 1.21 | 1.20 | Verified | Field value reflects source document |
| 305069398 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069398 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069398 | Subject Debt Service Coverage Ratio | 1.09 | 1.07 | Verified | Field value reflects source document |
| 305069539 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069539 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069539 | Subject Debt Service Coverage Ratio | 1.60 | 1.59 | Verified | Field value reflects source document |
| 305069464 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069464 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069466 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069466 | Subject Debt Service Coverage Ratio | 1.60 | 1.51 | Verified | Field value reflects source document |
| 305069411 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069411 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069411 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069478 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069478 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069478 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069478 | Subject Debt Service Coverage Ratio | 1.87 | 1.86 | Verified | Field value reflects source document |
| 305069534 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069534 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069534 | Original Interest Rate | 7.26 | 7.135 | Verified | Field Value reflects the Note value |
| 305069534 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305069534 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069534 | Subject Debt Service Coverage Ratio | 1.31 | 1.32 | Verified | Field value reflects source document |
| 305069456 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069456 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069456 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305069456 | Subject Debt Service Coverage Ratio | 1.63 | 1.62 | Verified | Field value reflects source document |
| 305069512 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069512 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069512 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305069512 | Subject Debt Service Coverage Ratio | 1.04 | 1.03 | Verified | Field value reflects source document |
| 305069443 | Borrower First Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305069443 | Borrower Last Name | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305069443 | Contract Sales Price | xxxx | xxxx | Verified | Unable to verify due to missing information |
| 305069443 | Subject Debt Service Coverage Ratio | 1.56 | 1.54 | Verified | Lender's DSCR matches field review. |
| 305069401 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069401 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069401 | Original Interest Rate | 6.63 | 6.625 | Verified | Field Value reflects the Note value |
| 305061625 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305066760 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305065535 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305078781 | Representative FICO | 806 | 789 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305078803 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078807 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078807 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305078807 | Original Interest Rate | 7.25 | 7.125 | Verified | Field Value reflects the Note value |
| 305078807 | Original P&I | xxxx | xxxx | Verified | Field Value reflects Note value |
| 305073635 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073635 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073635 | Representative FICO | 804 | 699 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073635 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305073635 | 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 |
| 305073635 | Subject Debt Service Coverage Ratio | 1.27 | 1.26 | Verified | Field value reflects source document |
| 305073660 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073660 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073660 | Subject Debt Service Coverage Ratio | 1.30 | 1.28 | Verified | Field value reflects source document |
| 305073632 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073683 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073714 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073714 | Subject Debt Service Coverage Ratio | 1.39 | 1.56 | Verified | Field value reflects source document |
| 305073665 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073665 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073665 | Representative FICO | 748 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305034477 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073658 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073658 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073658 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073658 | Subject Debt Service Coverage Ratio | 1.29 | 1.28 | Verified | Field value reflects source document |
| 305073691 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073691 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073691 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073657 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073657 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073612 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073612 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073612 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073612 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073760 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073760 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073760 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073760 | Subject Debt Service Coverage Ratio | 1.30 | 1.29 | Verified | Field value reflects source document |
| 305073667 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073667 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073667 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073667 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073667 | Representative FICO | 748 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073667 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073667 | Subject Debt Service Coverage Ratio | 1.58 | 1.57 | Verified | Field value reflects source document |
| 305073724 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073724 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073724 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073724 | Subject Debt Service Coverage Ratio | 2.46 | 1.03 | Verified | Lender has considered qualifying rent amount $xxxx |
| 305073666 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073666 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073666 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073666 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073666 | Representative FICO | 748 | 707 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073666 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073666 | Subject Debt Service Coverage Ratio | 1.06 | 1.02 | Verified | Updated hazard insurance causing DSCR to change still within guidelines. |
| 305063381 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305063381 | Investor: Qualifying Total Debt Ratio | 39.76 | 44.90195 | Verified | Matches lenders 1008. |
| 305069431 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069431 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069431 | Subject Debt Service Coverage Ratio | 1.99 | 2.01 | Verified | Field value reflects source document |
| 305073699 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073699 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073699 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073699 | Subject Debt Service Coverage Ratio | 1.55 | 1.59 | Verified | Field value reflects source document |
| 305073697 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073697 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073697 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073695 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069418 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069418 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073696 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073696 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073696 | Subject Debt Service Coverage Ratio | 1.47 | 1.44 | Verified | Field value reflects source document |
| 305073650 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073650 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073650 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073650 | Representative FICO | 784 | 769 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073672 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073662 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069526 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073708 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073708 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073708 | Representative FICO | 798 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073741 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073607 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069468 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069468 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069468 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305069468 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305069468 | Subject Debt Service Coverage Ratio | 1.44 | 1.41 | Verified | Field value reflects source document |
| 305069439 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069465 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 305073713 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073744 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073744 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305069428 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069428 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069428 | Subject Debt Service Coverage Ratio | 2.09 | 2.08 | Verified | Field value reflects source document |
| 305069525 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069525 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069525 | Original Interest Rate | 6.86 | 6.861 | Verified | Field Value reflects the Note value |
| 305069525 | Subject Debt Service Coverage Ratio | 1.66 | 1.53 | Verified | Used tax certificate amounts. |
| 305073690 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073636 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Security Instrument |
| 305073636 | Representative FICO | 768 | 751 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073636 | Original CLTV | 78.69 | 75 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305073636 | Original LTV | 78.69 | 75 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305073706 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073706 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073706 | Representative FICO | 798 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073707 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073707 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073707 | Representative FICO | 798 | 738 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073700 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073700 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073700 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073678 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073678 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069477 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074595 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073685 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073685 | Coborrower Last Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073685 | Representative FICO | 770 | 747 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073627 | Representative FICO | 759 | 730 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073615 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073615 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073615 | Original Interest Rate | 7.38 | 7.375 | Verified | Field Value reflects the Note value |
| 305069499 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069499 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305069499 | Representative FICO | 746 | 715 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305065469 | Original Interest Rate | 7.12 | 7.124 | Verified | Field Value reflects the Note value |
| 305073747 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073747 | Coborrower First Name | xxxx | xxxx | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
| 305073747 | Representative FICO | 811 | 796 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
| 305073709 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073709 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073709 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073716 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073716 | Subject Debt Service Coverage Ratio | 1.44 | 1.50 | Verified | Field value reflects source document |
| 305073604 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073717 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073613 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073719 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073719 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073719 | Original Interest Rate | 6.88 | 6.875 | Verified | Field Value reflects the Note value |
| 305073719 | Subject Debt Service Coverage Ratio | 1.03 | 1.06 | Verified | Rounding |
| 305074572 | Subject Debt Service Coverage Ratio | 1.87 | 2.12 | Verified | DSCR of 2.12 matches lender's DSCR worksheet and approval of 2.12. Monthly rent $xxxx / PITIA $xxxx |
| 305074560 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073687 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073687 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073687 | Original Interest Rate | 7.13 | 7.125 | Verified | Field Value reflects the Note value |
| 305073687 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073647 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073647 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305073647 | Original CLTV | 80 | 70.76167 | Verified | Actual appraisal value is $xxxx. However, approval reflects $xxxx |
| 305073647 | Original LTV | 80 | 70.76167 | Verified | Actual appraisal value is $xxxx. However, approval reflects $xxxx |
| 305073647 | Subject Debt Service Coverage Ratio | 2.08 | 2.00 | Verified | Field value reflects source document |
| 305074585 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305074585 | Subject Debt Service Coverage Ratio | 1.52 | 1.49 | Verified | Matches approval. |
| 305074583 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073692 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073692 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073692 | Subject Debt Service Coverage Ratio | 1.55 | 1.40 | Verified | Matches lenders calc. |
| 305074586 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073712 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073712 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073712 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073603 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073603 | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305073720 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073720 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073720 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073674 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073674 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073674 | Contract Sales Price | xxxx | xxxx | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
| 305073674 | Refi Purpose | Rate/Term | Cash-out - Other | Verified | Rate/term meets lenders guidelines but considered cash out for securitization purposes. |
| 305073674 | Subject Debt Service Coverage Ratio | 1.23 | 1.15 | Verified | Matches approval. |
| 305069451 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069425 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069425 | Appraised Value | xxxx | xxxx | Verified | Field Value captured from Valuation model in file |
| 305078251 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305078246 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305061911 | Prepayment Penalty Period (months) |  | 12 | Verified | Field Value reflects 'PrePayment Penalty Period' per the Note |
| 305061911 | Creditor Application Date | xxxx | xxxx | Verified | Field Value reflects Creditor Initial Application Date |
| 305043885 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305069541 | Subject Debt Service Coverage Ratio | 1.01 | 1.22 | Verified | Lender considered qualifying rent is $xxxx the current market rent is $xxxx however, qualifying rent which is calculated by system is $xxxx and its impacting on DSCR ratio. |
| 305044828 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305044828 | Property Type | Single Family Detached | Townhouse | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305044828 | Original CLTV | 79.3 | 78.26087 | Verified | Variance in LTV/CLTV - Lender considered appraisal value is $xxxx as per 1008, however correct value is $xxxx, need corrected 1008. |
| 305044828 | Original LTV | 79.3 | 78.26087 | Verified | Variance in LTV/CLTV - Lender considered appraisal value is $xxxx as per 1008, however correct value is $xxxx, need corrected 1008. |
| 305029889 | Investor: Qualifying Total Debt Ratio | 24.198 | 14.81257 | Verified | Field Value DTI is within tolerance of Approval DTI 14.698% |
| 305039587 | Street | xxxx | xxxx | Verified | Field Value reflects Street per Note |
| 305039587 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305039587 | Decision System |  |  | Verified | Field value reflects source document |
| 305051878 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305051878 | Investor: Qualifying Total Debt Ratio | 33.356 | 42.69421 | Verified | DTI variance due to more primary P&I and higher lender calculated income. |
| 305051878 | Decision System |  |  | Verified | Field value reflects source document |
| 305057556 | Borrower FTHB | 0 | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305055851 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305055851 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305055851 | Refi Purpose |  | 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 |
| 305055851 | Decision System |  |  | Verified | Field value reflects source document |
| 305052668 | Investor: Qualifying Total Debt Ratio | 0 | 10.4511 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
| 305055852 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305055852 | Decision System |  |  | Verified | Field value reflects source document |
| 305060643 | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| 305050757 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305050757 | Original CLTV | 55 | 58 | 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) |
| 305050757 | Original LTV | 55 | 58 | Verified | Field Value reflects Original Principal Balance divided by the lesser of the appraised value or purchase price. (Purchases) |
| 305050757 | Investor: Qualifying Total Debt Ratio | 24.822 | 49.63632 | Verified | Field Value DTI matches 1008 DTI |
| 305050757 | Decision System |  |  | Verified | Field value reflects source document |
| 305050100 | Investor: Qualifying Total Debt Ratio | 20.5 | 25.88226 | Verified | Per 1008 DTI is 25.882% and calculated DTI is 25.882% |
| 305050100 | Decision System | LP / LPA |  | Verified | Field value reflects source document |
| 305061589 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305053743 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305053743 | Refi Purpose |  | 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 |
| 305053743 | Original CLTV | 69.01 | 67.33564 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
| 305053743 | Original LTV | 69.01 | 67.33564 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
| 305053743 | Decision System |  |  | Verified | Field value reflects source document |
| 305064126 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305064126 | Investor: Qualifying Total Debt Ratio | 16.43 | 38.23794 | Verified | Per 1008, DTI is 38.597% |
| 305064126 | Decision System |  |  | Verified | Field value reflects source document |
| 305054672 | City | xxxx | xxxx | Verified | Field Value reflects City per Note |
| 305054672 | Zip | xxxx | xxxx | Verified | Field Value reflects Zip per Note |
| 305054672 | Decision System | DU |  | Verified | Field value reflects source document |
| 305063615 | Investor: Qualifying Total Debt Ratio | 44.0802 | 48.02977 | Verified | Field Value DTI matches 1008 DTI. |
| 305067551 | Investor: Qualifying Total Debt Ratio | 12.3287 | 9.30604 | Verified | Per 1008 DTI is 9.306% and calculated DTI is 9.306% |
| 305067551 | Decision System | DU |  | Verified | Field value reflects source document |
| 304789458 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304789458 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 304789458 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 304789458 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305051420 | Property Type | Single Family Detached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
| 305051118 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305051118 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305051118 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305063818 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305063818 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305063818 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305063818 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305047791 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305073488 | Borrower First Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073488 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |
| 305073488 | Note Date | xxxx | xxxx | Verified | Field Value reflects Note Date per the Note |
| 305073488 | Original Loan Amount | xxxx | xxxx | Verified | Field Value reflects the Note value |
| 305073488 | Amortization Term | 240 | 360 | Verified | Field Value reflects Amortization Term per Note |
| 305073488 | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
| 305034457 | Subject Debt Service Coverage Ratio | 1.14 | 1.27 | Verified | Lender considered qualifying rent is $xxxx the current market rent $xxxx however, qualifying rent which is calculated by system is $xxxx and its impacting on DSCR ratio. |
| 305069543 | Borrower Last Name | xxxx | xxxx | Verified | Field Value reflects Borrower name as it appears on the Note |

---

## Exhibit 99.3

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.3**

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| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 304326013 | 31183384 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx |  |  | 05/31/2024 | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304326013 | 31183385 |  | Compliance | Compliance | State Compliance | State Defect | Georgia Home Loan (Fee Charged for Payoff Statement) | Georgia Home Loan: Impermissible fee charged for payoff statement. | xxxx |  |  |  | xxxx | 05/31/2024 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304326013 | 31183386 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 06/05/2024 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure B A | Non QM | Non QM | No |
| 304326013 | 31183387 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation | TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-1,314.00. | xxxx |  |  |  | xxxx |  | 06/18/2024 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304326013 | 31183389 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $186.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 06/17/2024 |  | 2 C B |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304326013 | 31183390 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $751.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 06/04/2024 |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304326013 | 31183391 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 06/04/2024 |  |  | 1 C A |  | GA | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304326013 | 31183392 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $161.25 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 06/13/2024 |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304326013 | 31183393 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $755.00 exceeds tolerance of $751.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 06/04/2024 |  | 1 A |  | GA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 304326013 | 31183394 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $161.25 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower. |  |  |  |  | xxxx |  | 06/04/2024 |  | 1 A |  | GA | Primary | Purchase | Provide the following: Letter of Explanation notifying borrower or error, Copy of Refund Check/Evidence of Principal Reduction, Corrected CD, and Proof of Delivery (if refund is over $35) B A | Non QM | Non QM | Yes |
| 304436479 | 32351357 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304436479 | 32351431 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304436479 | 32434663 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal indicates there is water damage to the roof. A satisfactory inspection form a certified Roof inspector is required |  |  |  | xxxx | 12/19/2024 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304438712 | 32423510 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower staying on Rent at xxxx (Rent $xxxx) from xx/xxxx to xx/xxxx as per Pay history. Missing xx/xxxx payment |  |  |  | xxxx | 11/20/2024 |  |  | 1 C A |  | NV | Investment | Purchase | C A |  | N/A | No |
| 304680597 | 33382690 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304680597 | 33382693 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $6,966.00 exceeds tolerance of $6,853.50. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304680597 | 33382694 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 05/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304680597 | 33382695 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 06/27/2025 |  | 2 C B |  | FL | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 304692499 | 33562360 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,200.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/03/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304692499 | 33562361 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 06/03/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304692499 | 33562362 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 06/09/2025 |  |  | 1 C A |  | OH | Primary | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304692499 | 33605536 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on or after xx/xx/xxxx contains a change in APR and a complete Closing Disclosure was not received by borrower at least three (3) business days prior to consummation | xxxx |  |  |  | xxxx | 06/13/2025 |  |  | 1 A |  | OH | Primary | Purchase | TRID timing exception, no remediation available. C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304707904 | 33875128 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304707904 | 33875129 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304707904 | 33875130 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C | Non QM | Non QM | Yes |
| 304707904 | 33875131 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 304707904 | 33875132 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  | xxxx | 07/14/2025 |  |  | 1 B A |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C A | Non QM | Non QM | Yes |
| 304707904 | 33875135 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) North Carolina High-Cost Loan (Counseling Requirement) | North Carolina High-Cost Loan: No evidence borrower received home-ownership counseling by an approved NC Housing Finance Agency. |  |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | See any available cure under the North Carolina High Cost Loan threshold exception. A | Non QM | Non QM | No |
| 304707904 | 33875136 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) North Carolina High-Cost Loan (Points and Fees) | North Carolina Anti-Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 07/14/2025 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to receiving notice from the borrower provide: <br> (1) Lender Attestation of no notice from the borrower of the failure; (2) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (3) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (4) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing (must be in transit with courier); (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 304734611 | 34098334 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Deeds / Warranty / Grant / Quit-Claim not provided |  | xxxx |  |  |  | xxxx | 07/09/2025 |  |  | 1 D A |  | WV | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304734611 | 34098335 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx |  |  |  | xxxx | 07/09/2025 |  |  | 1 C A |  | WV | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 304758713 | 34281634 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception approval for non-approved AMC is found on the UW Narrative. Non approved AMC within 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/28/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304730125 | 34281643 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape requested for credit report pulled on xx/xx/xxxx and expires on xx/xx/xxxx. Request for 10 day extension approved. New expiration date is xx/xx/xxxx. | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/25/2025 | 2 B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304730125 | 34281644 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The loan file contains the master operating agreement for xxxx however, does not reflect series 7 in the body of the operating agreement. The loan file is missing operating agreement for Series 7. |  |  |  | xxxx | 07/29/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304764237 | 34281796 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception is requested for lease agreement is in file with month to month terms and no 12 month lease agreement available to considering 5% LTV. | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/04/2025 | 2 B |  | TN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 304757920 | 34373584 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304757920 | 34373616 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 09/25/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 304811931 | 34415509 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Exception approval is located on the UW Narrative. Appraisal transfer letter and paid invoice required by the exception approval are provided in the file. |  |  |  | xxxx | 08/18/2025 |  |  | 1 C A |  | MO | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304819409 | 34415575 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for appraisal transfer subject to transfer letter and proof of paid invoice in the file. |  |  |  | xxxx | 08/21/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304819409 | 34415578 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  |  |  |  |  | xxxx | 08/22/2025 |  |  | 1 A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304769966 | 34415620 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require | ___, and verified reserves are ___. | xxxx | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/22/2025 | 2 C B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304720358 | 34444868 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  |  |  |  |  | xxxx | 06/05/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 304757996 | 34445144 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 08/25/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304826754 | 34498166 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | GA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 304826754 | 34520304 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $120.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 09/22/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 304769950 | 34514620 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on tape. Approval granted to use alternative credit tradeline for co-borrower. Co-borrower provided 12-months of utility bills. Compensating factors DSCR > 1.70, Low LTV. xxxx+ in excess reserves. | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/19/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |
| 304734637 | 34514631 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | xxxx |  |  |  | xxxx | 09/03/2025 |  |  | 1 C A |  | IL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304734637 | 34514633 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/27/2025 | 2 C B |  | IL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304734637 | 34514635 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 08/27/2025 | 2 B |  | IL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304824938 | 34514811 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/05/2025 | 2 C B |  | AL | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 304856211 | 34683078 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | xxxx | 11/08/2025 |  |  | 1 D A |  | FL | Second Home | Refinance - Rate/Term | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
| 304856211 | 34683212 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $287.00 exceeds tolerance of $248.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 10/09/2025 |  | 1 A |  | FL | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304754832 | 34734625 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754832 | 34734626 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754832 | 34734627 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754832 | 34734628 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754832 | 34734629 |  | Credit | Guideline | Guideline Issue | Guideline | The Guarantor's Percent of Business Ownership does not meet guideline requirements. |  | xxxx | Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754833 | 34734631 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754833 | 34734632 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304754833 | 34734633 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, lender requires 100% of entity owners and guarantors to execute an authorization that allows lender to obtain credit and background reports. File is missing operating agreements of underlying sub entity owners to determine this guideline requirement was met. | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 07/21/2025 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304860681 | 34739047 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304860681 | 34739055 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $400.00 exceeds tolerance of $300.00. $100.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 10/21/2025 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304824943 | 34735983 |  | Credit | Guideline | Guideline Issue | Guideline | Rural property type is not permitted per Guidelines. |  | xxxx | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator<br>Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 09/11/2025 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304824943 | 34735984 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304824943 | 34735985 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 09/15/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 304874056 | 34775083 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304874056 | 34782930 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304856343 | 34891897 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 754 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 11/04/2025 | 2 B |  | GA | Investment | Purchase | B A |  | N/A | No |
| 304873056 | 34985720 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  | xxxx | 01/02/2026 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304873056 | 34985721 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $557.00 exceeds tolerance of $274.00 plus 10% or $301.40. $255.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 12/22/2025 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304873056 | 34985722 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. $120.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 01/06/2026 |  | 2 C B |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
| 304873056 | 35337781 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | xxxx |  |  |  |  |  |  |  | 2 A B |  | NY | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
| 304874908 | 34985031 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 12/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 304874908 | 34985032 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 12/15/2025 |  |  | 1 C A |  | FL | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 304874908 | 34994663 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304874908 | 34994711 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304874908 | 34994816 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 304874908 | 34994817 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 11/26/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
| 304839631 | 35009631 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | NH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304839631 | 35009632 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. |  | xxxx |  |  |  | xxxx | 10/08/2025 |  |  | 1 C A |  | NH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304828376 | 35009682 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304828376 | 35009683 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | xxxx |  |  |  | xxxx | 10/09/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304764190 | 35072860 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx | 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. |  | SitusAMC<br>SitusAMC | xxxx |  |  | 08/18/2025 | 2 B |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304764190 | 35072861 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304869313 | 35072957 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception on UW Narrative requested and approved to allow 10 day extension for current appraisal dated xx/xx/xxxx. 120-day expiration is xx/xx/xxxx. Additional 10-day granted to accommodate closing updated expiration is xx/xx/xxxx. | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 11/03/2025 | 2 C B |  | SC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304869315 | 35073116 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx |  |  |  | xxxx | 11/07/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
| 304844797 | 35107551 |  | 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: ___; Lien Position: ___ | xxxx |  |  |  | xxxx |  |  | 09/15/2025 | 2 A B |  | NJ | Investment | Refinance - Cash-out - Other | B |  | N/A | No |
| 304844797 | 35107552 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception at origination for AIV being 150%+ higher than the MHP in the location of the subject. Compensating factors were cited as 768 FICO, DSCR 1.01 and experience of 8 fix and flip and 8 rental units. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 39.60<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 768 | Originator Pre-Close,SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/15/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B |  | N/A | No |
| 304844796 | 35107572 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception requested in file but approval not provided. Payments for subject property are paid quarterly but the language is only reflected in extension. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Reserves: 63.94<br> Guideline Requirement: 6.00<br>Guidelines Representative FICO: 700<br> Representative FICO: 752 | SitusAMC<br>Originator Pre-Close,SitusAMC | xxxx |  |  | 09/30/2025 | 2 C B |  | NC | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 304889796 | 35235097 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 11/11/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304889779 | 35235188 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception on UW Narrative: The Lender Exception has been requested and approved to proceed with transferred appraisal done by our approved AMC - xxxx. Transfer appraisal SFR $xxxx as-is value.C4;Kitchen updated less than one year ago. Bathrooms updated less than one year ago. The subject is in overall average condition. The kitchen and baths have been recently somewhat updated. |  |  |  | xxxx | 11/14/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304868679 | 35292366 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Final Loan Agreement not provided |  | xxxx |  |  |  | xxxx | 10/28/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 304868666 | 35311739 |  | Credit | Missing Document | General | Missing Document | Missing Document: Evidence of Access to Funds not provided |  | xxxx |  |  |  | xxxx | 10/16/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 304868668 | 35311746 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 10/22/2025 |  |  | 1 A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304868668 | 35311747 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Title commitment indicates a blanket mortgage covers the subject property. Provide evidence loan was paid in full, or that our subject property was released from this lien. |  |  |  | xxxx | 10/22/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304868695 | 35311776 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW discretion required for borrower living rent free with someone other than a spouse. |  |  |  | xxxx | 11/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
| 304894182 | 35314933 |  | Credit | Business Purpose | Guideline Issue | Business Purpose | Unable to determine # of Projects or Value of Projects. Please provide the necessary documentation. |  | xxxx |  |  |  | xxxx | 12/09/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 305026560 | 35446604 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | Guidelines Representative FICO: 680<br> Representative FICO: 789 | Originator,SitusAMC | xxxx |  |  | 11/13/2025 | 2 C B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305034513 | 35794836 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 22.29 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/18/2026 | 2 C B |  | TN | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305029162 | 35822296 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 788 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 305029162 | 35831624 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 D A |  | NY | Investment | Purchase | D B A |  | N/A | No |
| 305043844 | 35819855 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 03/20/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 305043844 | 35819856 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 03/20/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 305043844 | 35819858 |  | Credit | Asset | Asset Documentation | Asset | Guideline Issue:Insufficient asset documentation. |  | xxxx |  |  |  | xxxx | 03/20/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 305034455 | 35825052 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 03/14/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305043837 | 35821358 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx |  |  |  | xxxx | 03/20/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305030665 | 35822604 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | 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. | 770 FICO | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | CT | Investment | Purchase | C B A |  | N/A | No |
| 305043843 | 35843773 |  | Property | Property - Appraisal | Property Eligibility - Site and Utilities | Property - Appraisal | Subject property contains apparent environmental, health and/or safety problems notated by appraiser or visible on photo. |  | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 305043833 | 35821488 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  |  |  |  | xxxx | 03/03/2026 |  |  | 1 C A |  | PA | Investment | Purchase | C A |  | N/A | No |
| 305043839 | 35821269 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  | xxxx |  |  |  | xxxx | 03/18/2026 |  |  | 1 C A |  | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305043839 | 35825031 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx | The qualifying DSCR on the loan is greater than the guideline minimum. | The DSCR of 1.13 is greater than the minimum required DSCR of 1.00. | Aggregator | xxxx | 03/19/2026 |  |  | 1 C A |  | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305043839 | 35825949 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Combined loan to value discrepancy. |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | IN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305034436 | 35829433 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | KS | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305034436 | 35831235 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 02/21/2026 |  |  | 1 C A |  | KS | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305043859 | 35822780 |  | Credit | Credit | Credit Eligibility | Credit | There are red flags on the fraud report that have not been addressed |  | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | NM | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305034451 | 35820948 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 99 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/18/2026 | 2 C B |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305034462 | 35820894 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Rider - PUD not provided |  |  |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305034462 | 35824481 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  | xxxx |  |  |  | xxxx | 03/18/2026 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305030669 | 35834752 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Debt Service Coverage Ratio (Subject DSCR) discrepancy. |  | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305043819 | 35834788 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 305054777 | 35995225 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 03/19/2026 |  |  | 1 B A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305054777 | 35995226 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 03/19/2026 |  |  | 1 A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305054777 | 35995236 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305054789 | 36047152 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | 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. | 767 FICO | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/18/2026 | 2 C B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305054789 | 36047169 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx | 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. | 767 FICO | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/24/2026 | 2 C B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305054789 | 36047195 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | 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. | 767 FICO | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/24/2026 | 2 C B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305054748 | 35965535 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | 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>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 794 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | NJ | Investment | Purchase | C B A |  | N/A | No |
| 305029030 | 35858454 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 54 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 04/10/2026 | 2 B |  | OH | Investment | Refinance - Cash-out - Other | A B |  | N/A | No |
| 305054765 | 36038647 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Credit history reflects lates that do not meet guidelines. | - Credit history reflects a total of ___ reported late payments. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 24.18 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/24/2026 | 2 C B |  | MD | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305054751 | 35848183 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per Fraud Report dated xx/xx/xxxx, there is red flag related to borrower's SSN, that was not addressed. Verification of the borrower's SSN not provided. |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305054776 | 35849717 |  | 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 ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 49.73 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/18/2026 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305054756 | 35945838 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request to proceed with comps at excessive distance. Marked Urban, map shows on edge of suburban. Additional comps found. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 24.80 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305054756 | 35948364 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 24.80 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305054731 | 35925901 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | 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 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. | 73.65 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305054715 | 35850064 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | 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. | 31.27 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/18/2026 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305054741 | 35995492 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 193.33 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305054741 | 35996749 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception to utilize 90% of market rents without one of the units being rented, the property has been owned greater than 180 days. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 193.33 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305050337 | 35926979 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 59.68 months reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305054779 | 35999628 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | (Missing Doc) Missing Note Addendum: Note P&I does not match calculated P&I |  |  |  |  |  | xxxx | 03/24/2026 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305051445 | 35848907 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-7,534.80 exceeds tolerance of $-7,928.55. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 304825011 | 35850607 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 09/09/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304825011 | 35850608 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 01/16/2026 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
| 304889869 | 35850632 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | xxxx |  |  |  | xxxx | 01/04/2026 |  |  | 1 C A D |  | OH | Investment | Purchase | D A |  | N/A | No |
| 305034494 | 35850636 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The approval in file requires verification of first month's rent and security deposit. The loan file only documents one of the payments being received. Missing additional documentation of $xxxx being received by Guarantor. |  |  |  | xxxx | 12/19/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305024371 | 35850652 |  | Credit | Borrower and Mortgage Eligibility | Borrower Eligibility | Borrower and Mortgage Eligibility | Borrower has been convicted of fraud/misrepresentation or felony. Borrower is ineligible. |  | xxxx | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Borrower has owned the subject property for at least 5 years.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 12/16/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305024371 | 35850653 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 12/16/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305034474 | 35850660 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | 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. | Debt Service Coverage Ratio: 1.57<br> Guideline Requirement: 1.00<br>Guidelines Representative FICO: 680<br> Representative FICO: 759 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 12/18/2025 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305034460 | 35850673 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal reflects a different lender. Appraisal transfer letter, exception approval, and paid invoice are provided in the file. |  |  |  | xxxx | 01/12/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305034466 | 35850676 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 01/12/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304894604 | 35861307 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 01/28/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304894604 | 35861308 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 01/07/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304894604 | 35861309 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash Flow Analysis (Asset) not provided |  | xxxx |  |  |  | xxxx | 01/15/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304894604 | 35861310 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 01/15/2026 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 304894604 | 35861311 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of 58.42723% significantly exceeds the guideline maximum of 50.00%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | xxxx |  |  |  | xxxx | 01/15/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304894604 | 35861313 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Commitment Fee. Fee Amount of $2,417.00 exceeds tolerance of $1,695.00. $722.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 01/16/2026 |  | 2 C B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304894604 | 35861314 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Field Review Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. $200.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 01/16/2026 |  | 2 C B |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304894604 | 35861315 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $341.00 exceeds tolerance of $321.00. $20.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/30/2025 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304894604 | 35861316 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee. Fee Amount of $250.00 exceeds tolerance of $125.00. $125.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 12/30/2025 |  |  | 1 C A |  | NC | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 304894604 | 35861317 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 12/17/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 304894604 | 35861318 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 01/15/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305047151 | 35891258 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305047151 | 35891289 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $535.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/24/2026 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305047151 | 35906105 |  | Credit | Missing Document | General | Missing Document | Missing Document: Explanation Letter not provided |  | xxxx |  |  |  | xxxx | 04/03/2026 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305060916 | 36016515 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 127 months reserves | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060927 | 36017009 |  | Property | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Valuation Exception: |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 138 months reserves. | SitusAMC,Aggregator | xxxx | 03/17/2026 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060927 | 36017013 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 138 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060927 | 36017045 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 138 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060919 | 36017189 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 115 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060915 | 36016689 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 119 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060885 | 36016281 |  | 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 ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 19.65 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | GA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060922 | 35996122 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 130 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/12/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060922 | 36016474 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for property value being lower than the minimum guideline requirement of $75,000, actual is $xxxx. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 130 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/12/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060922 | 36016768 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 130 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/12/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060906 | 35996076 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | 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>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 753 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Purchase | C B A |  | N/A | No |
| 305060543 | 35964038 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx | 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.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 60% LTV | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060450 | 35996089 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305060841 | 36009605 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | MI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305060828 | 36008031 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  | xxxx |  |  |  | xxxx | 03/11/2026 |  |  | 1 C A |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305060828 | 36009615 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305060578 | 36007782 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305060488 | 36000477 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 536.83 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060488 | 36000616 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing evidence of security deposits and first month's rent for the new leases, lender approved exception. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 536.83 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060474 | 36009616 |  | Compliance | Compliance | State Compliance | State Late Charge | Note Error: Note late charge percentage exceeds maximum per state |  |  |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Purchase | A |  | N/A | No |
| 305060474 | 36009617 |  | Compliance | Loan Package Documentation | Closing / Title | Loan Package Documentation | Note Error: Note grace period days less than minimum per state |  |  |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Purchase | A |  | N/A | No |
| 305060567 | 36014657 |  | Credit | Credit | Credit Eligibility | Credit | Guideline Issue: Bankruptcy timeline outside of credit guidelines |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 46.19 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060567 | 36014709 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 46.19 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060431 | 35996487 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | 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>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 752 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/18/2026 | 2 C B |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 305060923 | 36016927 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 131 months reserves | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060923 | 36016928 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 131 months reserves | SitusAMC,Aggregator | xxxx |  |  | 03/16/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060832 | 36035583 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 39.53 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060914 | 35997490 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Minimum Loan Amount discrepancy. | Note loan amount of ___ is less than Guideline minimum loan amount of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 137 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060914 | 36016655 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50. | 137 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060898 | 36015937 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | 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. | 33.53 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060871 | 36037992 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 55.71 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | MI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060442 | 35968482 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the seller DSCR guidelines, the minimum square footage for any unit of a multi-family is 400. Unit #4 is listed at xxxx square feet | 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 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. | 56.07 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060442 | 35968525 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060506 | 35997901 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception request to use 100% of market rents or rental listing whichever is lower with no LTV reduction though property is owned greater than 12 months with recent rehab. Missing evidence the rehab was done in the past 60 days. | 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. | 66.81 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060824 | 36089869 |  | Credit | Missing Document | General | Missing Document | Missing Document: Verification of Non-US Citizen Status not provided |  | xxxx |  |  |  | xxxx | 03/21/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 305060497 | 35954241 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305060468 | 36011998 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 2,263 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305060468 | 36012144 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for a transferred appraisal completed by non approved AMC. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 2,263 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | TX | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305060459 | 35998799 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 03/17/2026 |  |  | 1 C A |  | NE | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305060859 | 35966085 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | xxxx |  |  |  | xxxx | 03/07/2026 |  |  | 1 D A |  | PA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 305060859 | 35966157 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | xxxx |  |  |  | xxxx | 03/06/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Rate/Term | D A |  | N/A | No |
| 305060849 | 36008978 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | xxxx | 03/17/2026 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
| 305060826 | 36007555 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The property is listed as vacant and has been owned more than 6 months. The file is missing the scope of work and rental listing. |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | MS | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305060825 | 35973552 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 70 months reserves | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | IL | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060925 | 36030315 |  | 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 ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 114.55 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060925 | 36030316 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 114.55 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060924 | 36016923 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 138 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060560 | 35989675 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception per the UW narrative to proceed with HOI deductible at xxxx, which is over 5% of the loan amount. | 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>The representative FICO score exceeds the guideline minimum by at least 40 points. | 54.61538% LTV | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/12/2026 | 2 C B |  | MO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060921 | 36016741 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 127 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060918 | 36017102 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 118 months reserves | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060897 | 36048898 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | 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. | 33.56 months reserves. | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060893 | 36096516 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  | xxxx | 03/20/2026 |  |  | 1 B A |  | PA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305060535 | 35945831 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | KS | Investment | Purchase | C A |  | N/A | No |
| 305060879 | 35965539 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305060549 | 35956858 |  | Credit | Credit | Credit Eligibility | Guideline | Public Record Issue: |  | xxxx |  |  |  |  |  |  |  | 2 B |  | IN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305060926 | 36016849 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 115 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060917 | 35969951 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 131 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060892 | 35988319 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible Property Type per the guidelines. |  | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | 741 FICO | Aggregator,SitusAMC | xxxx |  |  | 03/18/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060892 | 35988337 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. | Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. | xxxx | The representative FICO score exceeds the guideline minimum by at least 40 points. | 741 FICO | Aggregator,SitusAMC | xxxx |  |  | 03/18/2026 | 2 C B |  | PA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060887 | 35970279 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 289.87 months reserves | SitusAMC,Aggregator<br>SitusAMC | xxxx |  |  | 03/24/2026 | 2 C B |  | IN | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060863 | 35969173 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .50.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%. | 103.44 months reserves. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 C B |  | OH | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305060835 | 35970044 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months. | 42.5 months reserves. | SitusAMC,Aggregator | xxxx |  |  | 03/17/2026 | 2 C B |  | MO | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
| 305061642 | 35933653 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,300.00 exceeds tolerance of $950.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/27/2026 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305050786 | 35940640 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | The qualifying DTI on the loan is at least 10% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>The representative FICO score is above 680. | Good employment history, low ratios and good credit | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 02/27/2026 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305050786 | 35940641 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305050786 | 35940642 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Incorrect Right To Cancel Form Used - H-9 Used on Non Same Lender Refinance | Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinance by a creditor that is not considered the original creditor. The H-9 form was used, the H-8 form should have been used. | xxxx |  |  |  | xxxx |  | 04/03/2026 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
| 305053574 | 35944804 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 03/03/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305053574 | 35944805 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 03/03/2026 |  |  | 1 C A |  | UT | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305053584 | 35946274 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 03/18/2026 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305053584 | 35946295 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/02/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305053584 | 35948786 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 03/18/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305050358 | 35967163 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MT | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305050358 | 35967306 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $14,513.58 exceeds tolerance of $14,014.00. $499.58 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305050358 | 35967307 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $750.00. $25.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | MT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305050358 | 35969207 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MT | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305050358 | 35995867 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $750.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/09/2026 |  | 1 A |  | MT | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305044783 | 35973007 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 305044783 | 35973054 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | AZ | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305051442 | 35998318 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $514.19 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/09/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305042281 | 35996973 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,048.00 exceeds tolerance of $3,680.00. $368.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | GA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 305057539 | 35998083 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $505.00 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/09/2026 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305057539 | 35998084 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $245.50 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/09/2026 |  | 1 A |  | CA | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305060997 | 36012584 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $775.00 exceeds tolerance of $675.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/10/2026 |  | 1 A |  | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305060997 | 36012585 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/10/2026 |  | 1 A |  | CA | Second Home | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305047860 | 36034656 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $30.00 plus 10% or $33.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/11/2026 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305047860 | 36034657 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $249.50 exceeds tolerance of $199.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/11/2026 |  | 1 A |  | MI | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305047860 | 36034658 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
| 305057525 | 36034504 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305057525 | 36034550 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305061631 | 36034988 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $837.99 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/11/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305052634 | 36035370 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $95.00 exceeds tolerance of $80.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/11/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305059698 | 36035189 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,172.50 exceeds tolerance of $2,063.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/11/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305059698 | 36035226 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305061674 | 36046897 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305061674 | 36046898 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305057897 | 36047069 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,295.76 exceeds tolerance of $1,269.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/12/2026 |  | 1 A |  | VA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305057897 | 36051794 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | VA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305063733 | 36072312 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 03/17/2026 |  |  | 1 B A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305063733 | 36074064 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the credit report, the borrower is currently $xxxx past due on xxxx #xxxx. No documentation provided to show it has been paid current or paid at close |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305046116 | 36072487 |  | Compliance | Compliance | State Compliance | Misc. State Level | Michigan CMPA Home Loan Toolkit Timing | Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower within three (3) business days of application. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305046116 | 36072488 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $1,386.00 exceeds tolerance of $0.00. $1,386.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | MI | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305056376 | 36071082 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. |  | xxxx | 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.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score is above 680. | Good credit and employment history. Excellent reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/16/2026 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305046128 | 36074217 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305063358 | 36072851 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305063358 | 36072854 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $90.00 exceeds tolerance of $80.00 plus 10% or $88.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/16/2026 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305063358 | 36072855 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $30.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/16/2026 |  | 1 A |  | IN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305061080 | 36071735 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,768.00 exceeds tolerance of $0.00. $5,768.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 305061080 | 36094598 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,768.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/19/2026 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305072143 | 36140834 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | xxxx | 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>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00. | 781 FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/31/2026 | 2 C B |  | VA | Investment | Purchase | C B A |  | N/A | No |
| 305072147 | 36166999 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $xxxx (xxxx). Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305072104 | 36177819 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305072104 | 36177839 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305072104 | 36177857 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305072104 | 36177858 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305072140 | 36118213 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien | TRID Final Closing Disclosure xx/xx/xxxx on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. | xxxx |  |  |  | xxxx | 03/26/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure A | Non QM | Non QM | Yes |
| 305072129 | 36144896 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 03/26/2026 |  |  | 1 B A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305072129 | 36146236 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TX | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305072129 | 36146241 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305072129 | 36165638 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Loan Estimate Timing Electronically Provided | TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated xx/xx/xxxx was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. |  |  |  |  | xxxx | 04/01/2026 |  |  | 1 A |  | TX | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305039466 | 36067424 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. |  |  |  |  | xxxx | 02/12/2026 |  |  | 1 B A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305039466 | 36067425 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305039466 | 36067426 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Exception already raised for below, duplicate exception, compliance related.<br> Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following:<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305039466 | 36067427 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. |  |  |  |  | xxxx | 02/19/2026 |  |  | 1 B A C |  | NC | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305039466 | 36067428 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/19/2026 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
| 305064397 | 36080047 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $18,541.60 exceeds tolerance of $10,560.00. $7,981.60 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 305055840 | 36082455 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305055840 | 36086351 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | ID | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305061607 | 36086341 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305054953 | 36081591 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible property type. | ___ | xxxx | Borrower has been employed in the same industry for more than 5 years.<br>Borrower has verified disposable income of at least $2500.00.<br>Borrower has worked in the same position for more than 3 years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of 4 months PITIA or more.<br>The representative FICO score is above 680. |  | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/17/2026 | 2 B |  | MI | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305064748 | 36094784 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/19/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305064748 | 36094785 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $133.00 exceeds tolerance of $132.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/19/2026 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 304904416 | 36079954 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (Notice to Assignee) | Truth in Lending Act (HOEPA): Required Statement was not provided to purchaser or assignee for loan that was sold or assigned. (Note: This notice only applies when selling or assigning a HOEPA loan and may not be found in the file for loans that have not been previously sold) |  |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304904416 | 36079955 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Disclosure) Federal High-Cost Mortgage Loan (HOEPA Disclosure Not Provided) | Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower |  |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304904416 | 36079956 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Financed Points and Fees) | Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees. |  |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304904416 | 36079957 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $xxxx on a Federal Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
| 304904416 | 36079958 |  | Compliance | Legal / Regulatory / Compliance | Anti-Predatory Violation | Federal Defect | (Fed High Cost Provision) Federal High-Cost Mortgage Loan (Counseling Requirement) | Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling. |  |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 304904416 | 36079959 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 304904416 | 36079962 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost Provision) North Carolina High-Cost Loan (Counseling Requirement) | North Carolina High-Cost Loan: No evidence borrower received home-ownership counseling by an approved NC Housing Finance Agency. |  |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | See any available cure under the North Carolina High Cost Loan threshold exception. B A | Non QM | Non QM | No |
| 304904416 | 36079963 |  | Compliance | Compliance | State Compliance | State Defect | (State High Cost) North Carolina High-Cost Loan (Points and Fees) | North Carolina Anti-Predatory Lending Law: Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of 5.00000% of the Total Loan Amount. Points and Fees total $xxxx on a Total Loan Amount of $xxxx vs. an allowable total of $xxxx (an overage of $xxxx or xxxx%). Non-Compliant High Cost Loan. |  |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Within 30 days of loan closing and prior to receiving notice from the borrower provide: <br> (1) Lender Attestation of no notice from the borrower of the failure; (2) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (3) Assuming option (a) is selected, a copy of refund check and proof of mailing (must be in transit with courier); (4) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted.<br>(Limited Use Bona Fide Errors - Compliance and Client Approval Required) Within 60 days of discovery, provide: <br> (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) signed borrower choice letter to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (5) If option 4(a) is selected, copy of refund check and proof of mailing (must be in transit with courier); (6) If option 4(b) is selected, proof of cure for each of the prohibited practice violations. Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
| 304904416 | 36079964 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,539.69 exceeds tolerance of $850.00 plus 10% or $935.00. $604.69 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | NC | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305058343 | 36079846 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305058343 | 36080129 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Inspection Fee. Fee Amount of $56.00 exceeds tolerance of $0.00. $56.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/06/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305058343 | 36083686 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $256.50 exceeds tolerance of $180.00 plus 10% or $198.00. $58.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 04/08/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305058343 | 36086455 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305058343 | 36253796 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $256.50 exceeds tolerance of $180.00 plus 10% or $198.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 04/08/2026 |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305057735 | 36089672 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305057735 | 36090697 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305060406 | 36089899 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305064971 | 36105866 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $624.00 exceeds tolerance of $528.00 plus 10% or $580.80. $43.20 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/25/2026 |  |  | 1 C A |  | PA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
| 305063765 | 36105222 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | MO | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305063765 | 36105427 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $123.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/20/2026 |  | 1 A |  | MO | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305054914 | 36114530 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $950.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/23/2026 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305054914 | 36114531 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,416.00 exceeds tolerance of $1,365.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/23/2026 |  | 1 A |  | MD | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305060687 | 36106279 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/24/2026 |  |  | 1 C A |  | GA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
| 305064396 | 36105909 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305066760 | 36118604 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $660.00 exceeds tolerance of $510.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/23/2026 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305063797 | 36114929 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver Test | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | xxxx |  |  |  | xxxx | 03/25/2026 |  |  | 1 C A |  | TN | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
| 305063797 | 36114975 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $396.75 exceeds tolerance of $390.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/23/2026 |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305063797 | 36118708 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | TN | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305065535 | 36114256 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | xxxx | 03/26/2026 |  |  | 1 B A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305065535 | 36114358 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | IL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305065535 | 36114361 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
| 305031646 | 36126231 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305031646 | 36140284 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305073612 | 36131565 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  | xxxx |  |  |  | xxxx | 03/26/2026 |  |  | 1 D A |  | GA | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
| 305069726 | 36146323 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/25/2026 |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | N/A | Non QM | Yes |
| 305069726 | 36146516 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A | N/A | Non QM | No |
| 305069726 | 36146544 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A | N/A | Non QM | No |
| 305069726 | 36146549 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A | N/A | Non QM | No |
| 305069726 | 36146553 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A | N/A | Non QM | No |
| 305063381 | 36145721 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $630.00 exceeds tolerance of $406.00 plus 10% or $446.60. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/25/2026 |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305053761 | 36145124 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305053761 | 36148786 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305069431 | 36156337 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | WI | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305073697 | 36153140 |  | Credit | Guideline | Guideline Issue | Guideline | Minimum of 600 square feet of gross living area required per company guidelines. |  | xxxx | 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.<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. | 790 credit score. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/26/2026 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305069428 | 36164678 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 305069428 | 36165042 |  | Property | Guideline | General | Guideline | Subject property located in foreign state without appropriate documentation. |  | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
| 305069525 | 36167334 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | xxxx |  |  |  |  |  |  |  | 2 B |  | TN | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
| 305064051 | 36155495 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NJ | Primary | Refinance - Rate/Term | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305064051 | 36155499 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-9,674.84 exceeds tolerance of $-11,854.84. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305064051 | 36155500 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. $92.70 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305064051 | 36155501 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $336.50 exceeds tolerance of $300.00. $36.50 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | NJ | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305064051 | 36172834 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/30/2026 |  | 1 A |  | NJ | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305064051 | 36172835 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $336.50 exceeds tolerance of $300.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/30/2026 |  | 1 A |  | NJ | Primary | Refinance - Rate/Term | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305078457 | 36153205 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $795.00 exceeds tolerance of $695.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/26/2026 |  | 1 A |  | TX | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305069725 | 36158645 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. | xxxx |  |  |  | xxxx |  | 03/26/2026 |  | 1 A |  | TX | Investment | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305069725 | 36158697 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305069725 | 36164801 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305069725 | 36164804 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305069725 | 36164821 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | xxxx |  |  |  | xxxx | 03/31/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305067603 | 36163757 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NE | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305065469 | 36164949 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,199.80 exceeds tolerance of $3,199.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/26/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305070061 | 36156057 |  | Compliance | Compliance | Federal Compliance | Federal HPML | TIL Higher Priced Mortgage Loan Safe Harbor Test | TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. |  |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305070061 | 36156062 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $600.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/26/2026 |  | 1 A |  | NC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305070061 | 36163980 |  | Property | Property - Appraisal | Appraisal Reconciliation | Property - Appraisal | Appraisal is required to be in name of Lender |  | xxxx |  |  |  |  |  |  |  | 2 B |  | NC | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305064741 | 36154887 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Primary | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305064741 | 36164105 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $570.00 exceeds tolerance of $560.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/26/2026 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305073647 | 36172661 |  | Credit | Credit | Miscellaneous | Credit | Miscellaneous Credit (Non-Material): |  | xxxx |  |  |  |  |  |  |  | 2 B |  | MO | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 305073712 | 36168755 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | OH | Investment | Refinance - Rate/Term | B A |  | N/A | No |
| 305073522 | 36169121 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305073522 | 36169169 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | NV | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305070120 | 36166987 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | xxxx |  |  |  | xxxx | 04/01/2026 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305070120 | 36167087 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx% Compliant Higher Priced Loan. |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | No obvious cure C B A | Non QM | Non QM | No |
| 305070120 | 36170978 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | MA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305070120 | 36170979 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $595.00 exceeds tolerance of $545.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/27/2026 |  | 1 A |  | MA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305078251 | 36176442 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $700.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/30/2026 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305078251 | 36176443 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $205.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/30/2026 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305078251 | 36176444 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/30/2026 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305078251 | 36176445 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $102.35 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/30/2026 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305062306 | 36176589 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $92.70 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 03/30/2026 |  | 1 A |  | MO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
| 305067105 | 36191348 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. | xxxx |  |  |  |  |  |  |  | 2 B |  | MI | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
| 305078246 | 36204358 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | FL | Second Home | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Non QM | Yes |
| 305065882 | 36204438 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of xxxx% or Final Disclosure APR of xxxx% is equal to or greater than the threshold of APOR xxxx% + 1.5%, or xxxx%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  |  | xxxx | 04/03/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305065882 | 36204439 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 04/02/2026 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305065882 | 36207745 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305065882 | 36213551 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 04/03/2026 |  |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305077703 | 36222633 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | NY | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305069803 | 36248141 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  |  |  |  |  | 2 B |  | CT | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| 305043885 | 36287537 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | xxxx | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's Experience/Track Record | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.<br>Borrower's Experience/Track Record. | Originator,SitusAMC<br>SitusAMC,Originator | xxxx |  |  | 02/27/2026 | 2 C B |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 305043885 | 36287538 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 02/27/2026 |  |  | 1 C A |  | MD | Investment | Purchase | C B A |  | N/A | No |
| 305073758 | 36287540 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | UW narrative notes exception made to not require first months rent and security deposit. | 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. | Guidelines Representative FICO: 680<br> Representative FICO: 761<br>Reserves: 144.79<br> Guideline Requirement: 17.89 | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 01/12/2026 | 2 C B |  | PA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
| 305044828 | 36290750 |  | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided |  | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044828 | 36290751 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044828 | 36290752 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044828 | 36290753 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | 1. Need CPA/Tax Preparer, Operating Agreement or equivalent to confirm borrowers ownership percentage.<br> 2. Need verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date with one of the following:<br>• Evidence of current work (executed contracts or signed invoices)<br> • Evidence of current business receipts<br> • Business website demonstrating activity supporting current business operations<br>Compliance related |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044828 | 36290755 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 02/10/2026 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305044828 | 36290756 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 B A C |  | PA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305044828 | 36290757 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/23/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044828 | 36290758 |  | Credit | Missing Document | General | Missing Document | Document "Loan Underwriting and Transmittal Summary (1008) / MCAW" is missing. |  | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044828 | 36290759 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Borrower has one or more mortgage lates, which is not allowed per guidelines. |  | xxxx |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305044828 | 36290760 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. $250.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305044828 | 36290761 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $85.00 exceeds tolerance of $0.00. $85.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 03/17/2026 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305044828 | 36290762 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $40.00 exceeds tolerance of $0.00. $40.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 03/17/2026 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305044828 | 36290763 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 03/17/2026 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305044828 | 36290764 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $450.00 exceeds tolerance of $300.00. $150.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305044828 | 36290765 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notary Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. $50.00 over legal limit. Insufficient or no cure was provided to the borrower. | xxxx |  |  |  | xxxx |  | 03/17/2026 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
| 305029889 | 36290804 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | As per guidelines Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: <br>• Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 03/03/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305029889 | 36290805 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305029889 | 36290806 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification not provided |  | xxxx |  |  |  | xxxx | 03/03/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305029889 | 36290807 |  | Credit | Insurance | Insurance Documentation | Insurance | Hazard Insurance Error: Subject address is missing from evidence of insurance. |  | xxxx |  |  |  | xxxx | 02/26/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305029889 | 36290808 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Missing source document for credit/housing history. |  | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305029889 | 36290811 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application | RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 B A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305029889 | 36290812 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/03/2026 |  |  | 1 B A C |  | SC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305029889 | 36290813 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/03/2026 |  |  | 1 C A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305029889 | 36290814 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File) | ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. | xxxx |  |  |  | xxxx | 02/18/2026 |  |  | 1 B A |  | SC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
| 305039587 | 36290816 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | MD | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 305039587 | 36290818 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | MD | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 305039587 | 36290819 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date but prior to xxxx purchase is required with one of the following: <br>• Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | MD | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 305039587 | 36290821 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | MD | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 305039587 | 36290822 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | MD | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 305039587 | 36290823 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 D A |  | MD | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 305039587 | 36290829 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 B A C |  | MD | Second Home | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305039587 | 36290830 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 02/20/2026 |  |  | 1 C A |  | MD | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 305039587 | 36290831 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 C A |  | MD | Second Home | Purchase | D A C | Non QM | Non QM | No |
| 305033648 | 36290863 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | xxxx | 02/24/2026 |  |  | 1 A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 305033648 | 36290864 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 03/03/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 305033648 | 36290865 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 02/24/2026 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A | N/A | N/A | No |
| 305051878 | 36290875 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Provide CPA/Tax Preparer, Operating Agreement or equivalent confirming ownership percentage of borrower in "xxxx" and "xxxx".<br>Also, provide CPA/Tax Preparer, regulatory agency, applicable licensing bureau or equivalent for "xxxx" confirming have been self-employed for at least two years in the same business. - Compliance related (Duplicate) |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305051878 | 36290877 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 B A C |  | IA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305051878 | 36290878 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | IA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305057556 | 36290880 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290881 |  | Credit | Loan Package Documentation | Application / Processing | Insurance | Missing Document: Flood Certificate not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290882 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290883 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 D A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290884 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290885 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290886 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Asset not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290887 |  | Credit | Missing Document | General | Missing Document | Missing Document: CPA Letter not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290888 |  | Credit | Missing Document | General | Missing Document | Missing Document: Telephone Listing / Internet Search / Directory Assistance not provided |  | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290889 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290890 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290891 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290892 |  | Credit | Asset | Asset Documentation | Asset | Missing Document: Gift Letter not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290894 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Need documentation for xxxx:<br>1. Confirming ownership percentage — Provide a CPA/tax preparer letter, operating agreement, or equivalent.<br> 2. Confirming self-employment for at least two years in the same business — Provide verification from a CPA/tax preparer, regulatory agency, or applicable licensing authority.<br> 3. A business narrative is required to describe the type of business and number of employees.<br> 4. Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date with one of the following:<br> - CPA/Tax Preparer letter confirming the business is active and operating<br> - Evidence of current work (executed contracts or signed invoices)<br> - Evidence of current business receipts/recent bank statement activity<br> - Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working).<br> 5. CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal of business assets will not negatively impact the business.<br>- Duplicate exception, credit related. |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290895 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Need documentation for xxxx:<br>1. Confirming ownership percentage — Provide a CPA/tax preparer letter, operating agreement, or equivalent.<br> 2. Confirming self-employment for at least two years in the same business — Provide verification from a CPA/tax preparer, regulatory agency, or applicable licensing authority.<br> 3. A business narrative is required to describe the type of business and number of employees.<br> 4. Verification that the business is active and operating either no more than 10 business days prior to the Note Date, or after the Note Date with one of the following:<br> - CPA/Tax Preparer letter confirming the business is active and operating<br> - Evidence of current work (executed contracts or signed invoices)<br> - Evidence of current business receipts/recent bank statement activity<br> - Business website demonstrating activity supporting current business operations (e.g., recently updated content or announcements, written confirmation from the lender that online scheduling, ordering or the business phone number is working).<br> 5. CPA/Tax Preparer or an underwriter cash flow analysis is required to confirm that the withdrawal of business assets will not negatively impact the business.<br>- Duplicate exception, credit related. |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290896 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290897 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290898 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx |  |  | 03/02/2026 | 2 B |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290899 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status D B C | Non QM | Non QM | Yes |
| 305057556 | 36290900 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - Assets | Ability to Repay (Dodd-Frank 2014): Unable to verify assets using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290902 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290903 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA Disclosure - List of Homeownership Counseling Organizations Missing | RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. | xxxx |  |  |  | xxxx | 03/11/2026 |  |  | 1 B A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290906 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290907 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Contact Information - Lender | TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on xx/xx/xxxx did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). | xxxx |  |  |  | xxxx |  | 03/10/2026 |  | 2 C B |  | CA | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| 305057556 | 36290908 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 D A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290909 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1084 or income worksheet not provided |  | xxxx |  |  |  | xxxx | 03/02/2026 |  |  | 1 C A |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290910 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | xxxx |  |  |  | xxxx |  |  | 03/03/2026 | 2 B |  | CA | Primary | Purchase | D B C A | Non QM | Non QM | No |
| 305057556 | 36290912 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 A |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation B C | Non QM | Non QM | Yes |
| 305055851 | 36290921 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305044864 | 36290935 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Security Instrument - Subject Lien not provided |  | xxxx |  |  |  | xxxx | 03/03/2026 |  |  | 1 D A |  | NY | Primary | Refinance - Cash-out - Other | D B A | Non QM | Non QM | No |
| 305044864 | 36290937 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 02/26/2026 | 2 B |  | NY | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. D B A | Non QM | Non QM | Yes |
| 305044864 | 36290940 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $76.03 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | xxxx |  | 02/25/2026 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Non QM | Non QM | Yes |
| 305052668 | 36290947 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305052668 | 36290948 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305052668 | 36290949 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305055852 | 36290965 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | As per guidelines a Business Narrative is required from the borrower to describe the type of business and number of employees. |  |  |  | xxxx | 03/04/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305055852 | 36290966 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305055852 | 36290967 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305055852 | 36290968 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305055852 | 36290969 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305055852 | 36290970 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/04/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305061524 | 36290979 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290980 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290981 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290982 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects neither Yes nor No. Unable to determine eligibility without this information. |  |  |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290983 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required Transcript (1040) or W-2 Transcript. |  | xxxx |  |  |  | xxxx | 03/25/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290986 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 1. Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290987 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: D. 2. Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290988 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects neither Yes nor No. Unable to determine qualification without this information. |  | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290989 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | 1003/Declarations are incomplete: E. Will this property be subject to a lien that could take priority over the first mortgage lien, such as a clean energy lien paid through property taxes (e.g., the Property Assessed Clean Energy Program)? reflects neither Yes nor No. Unable to determine eligibility without this information. |  | xxxx |  |  |  | xxxx | 03/09/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290990 |  | Credit | Reverification | Reverification Results | Reverification | Credit reverification revealed a new Fraud Alert. |  | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290991 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 03/03/2026 | 2 B |  | NV | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305061524 | 36290993 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | xxxx |  |  |  | xxxx | 04/29/2026 |  |  | 1 B A C |  | NV | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Non QM | Non QM | Yes |
| 305061524 | 36290994 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records. | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290995 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | xxxx |  |  |  | xxxx | 04/29/2026 |  |  | 1 A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290996 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Borrower xxxx - Require supporting income documentation for employment with "xxxx." The borrower's current employment with xxxx does not meet the required 2-year employment history criteria. |  |  |  | xxxx | 03/05/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061524 | 36290997 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/05/2026 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305060643 | 36291017 |  | Credit | Guideline | Guideline Issue | Guideline | Missing required income documentation . |  | xxxx |  |  |  | xxxx | 03/06/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305060643 | 36291018 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/06/2026 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305060643 | 36291019 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/06/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305060643 | 36291020 |  | Credit | Missing Document | General | Missing Document | Missing Document: Third Party Verification (Asset) not provided |  | xxxx |  |  |  | xxxx | 03/11/2026 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050757 | 36291052 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Third Party Verification is missing to verify business is active and operating either no more than 10 business days prior to the Note Date also require one of the following below documents.<br>• Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations. |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | NE | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050757 | 36291055 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $xxxx is over disclosed by $xxxx compared to the calculated Amount Financed of $xxxx and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | NE | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 305050757 | 36291056 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on xx/xx/xxxx disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $xxxx is under disclosed by $xxxx compared to the calculated Finance Charge of $xxxx which exceeds the $100.00 threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated xx/xx/xxxx). | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | NE | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission (required on rescindable transactions) | Non QM | Non QM | Yes |
| 305050757 | 36291057 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 B A C |  | NE | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
| 305050757 | 36291058 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | NE | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050757 | 36291059 |  | Credit | Missing Document | General | Missing Document | Missing Document: Deposit Receipt not provided |  | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | NE | Primary | Purchase | C A | Non QM | Non QM | No |
| 305050100 | 36291072 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | FNMA Points and Fees on subject loan of xxxx% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $xxxx (xxxx). FNMA Finance Charge total $xxxx on a Original Loan Amount of $xxxx vs. an allowable total of $xxxx and $xxxx (xxxx) (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 03/09/2026 | 2 B |  | FL | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | N/A | N/A | Yes |
| 305050100 | 36291074 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | One of the following required: <br>• Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 305050100 | 36291075 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 305050100 | 36291076 |  | Compliance | Loan Package Documentation | Application / Processing | Missing, Incorrect, or Incomplete Final or Initial 1003 | Missing Document: Missing Lender's Initial 1003 |  | xxxx |  |  |  | xxxx | 03/11/2026 |  |  | 1 B A |  | FL | Investment | Purchase | C B A | N/A | N/A | No |
| 305061589 | 36291079 |  | Compliance | Compliance | Federal Compliance | GSE | Fannie Mae 2014 - 3% Points and Fees | Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of xxxx% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $xxxx on a Federal Total Loan Amount of $xxxx vs. an investor allowable total of $xxxx (an overage of $xxxx or xxxx%). | xxxx |  |  |  | xxxx |  |  | 03/09/2026 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. C B A | Non QM | Non QM | Yes |
| 305061589 | 36291082 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/24/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061589 | 36291083 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/17/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061589 | 36291085 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061589 | 36291086 |  | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061589 | 36291087 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | One of the following required: <br>• Evidence of current work (executed contracts or signed invoices) <br> • Evidence of current business receipts <br> • Business website demonstrating activity supporting current business operations.<br>Compliance related |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061589 | 36291090 |  | Credit | System | General | System | Borrower 1003 current address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/17/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061589 | 36291091 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 B A C |  | CA | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
| 305061589 | 36291092 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Loan does not meet one or more guideline components which could impact the borrower's ability to repay. | Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061589 | 36291093 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305061589 | 36291094 |  | Credit | Credit | Credit Eligibility | Credit | Credit Issue: Judgments on credit/title report were not satisfied at closing per loan approval. |  | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
| 305053743 | 36291113 |  | Credit | Guideline | Guideline Issue | Guideline | Housing history reflects lates that do not meet guidelines |  | xxxx |  |  |  | xxxx | 03/16/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305064126 | 36291211 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Mismatch of data related to Occupancy. | - Occupancy: ___; Declarations/Will borrower occupy: ___ | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | OK | Investment | Purchase | C B A | Non QM | N/A | No |
| 305064126 | 36291213 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 B A |  | OK | Investment | Purchase | C B A | Non QM | N/A | No |
| 305064126 | 36291214 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Missing | ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to consumer. | xxxx |  |  |  | xxxx |  |  | 03/20/2026 | 2 B |  | OK | Investment | Purchase | C B A | Non QM | N/A | No |
| 305064126 | 36291216 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | OK | Investment | Purchase | C B A | Non QM | N/A | No |
| 305054672 | 36291217 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: ___; <br> State: ___ | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305054672 | 36291218 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305054672 | 36291219 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305054672 | 36291220 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305063615 | 36291247 |  | Credit | Title | Document Error | Title | The Commitment or Preliminary title policy does not reflect a coverage amount (no final title policy in file). Unable to determine if appropiate coverage is provided. | Title Evidence: ___; <br> State: ___ | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 305063615 | 36291250 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Issue: Ineligible borrower |  | xxxx |  |  |  | xxxx | 03/27/2026 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
| 304789458 | 36291294 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304789458 | 36291295 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: 1003 Final not provided |  | xxxx |  |  |  | xxxx | 08/20/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305051420 | 36291305 |  | Credit | Compliance | Miscellaneous Compliance | Compliance | Patriot Act Disclosure is missing |  | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305063712 | 36291344 |  | Credit | Property - Appraisal | General Appraisal Requirements | Property - Appraisal | Subject is a refinance and property is listed for sale. |  | xxxx |  |  |  | xxxx | 03/12/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305063712 | 36291345 |  | Credit | Credit | Credit Documentation | Credit | There is no lease in place for the subject property and the absence of this document casts doubt on business purpose of loan. |  | xxxx |  |  |  | xxxx | 03/17/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Rate/Term | C A |  | N/A | No |
| 305063818 | 36291368 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 C A |  | PA | Investment | Purchase | C B A |  | N/A | Yes |
| 305063818 | 36291369 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Lender Exception(s) not provided |  | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 C A |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 305063818 | 36291370 |  | Credit | Fraud | General | Fraud | High - Fraud Alert identified on Fraud Report |  | xxxx |  |  |  | xxxx | 03/13/2026 |  |  | 1 C A |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 305063818 | 36291371 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | xxxx | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.<br>The representative FICO score exceeds the guideline minimum by at least 40 points. | 102 vs 3 | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC | xxxx |  |  | 03/10/2026 | 2 B |  | PA | Investment | Purchase | C B A |  | N/A | No |
| 305047791 | 36291379 |  | Credit | Guideline | Guideline Issue | Guideline | Verification of housing pay history is required. |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 305047791 | 36291380 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | xxxx |  |  |  | xxxx | 03/19/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 305070524 | 36291389 |  | Credit | Missing Document | General | Missing Document | Missing Document: 1007 Rent Comparison Schedule not provided |  | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305070524 | 36291390 |  | Credit | Guideline | Guideline Issue | Guideline | "Other" housing history reflects lates that do not meet guidelines. |  | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305074618 | 36291392 |  | Credit | Credit | Credit Documentation | Credit | Absence of Business Purpose Certificate and/or Non-Owner Occupancy Declaration and/or UW Business Purpose Analysis and thus casts doubt on the business purpose of the loan. |  | xxxx |  |  |  | xxxx | 03/30/2026 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 304687239 | 36296659 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 02/25/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
| 305029113 | 36296660 |  | Credit | Credit | Credit Documentation | Guideline | Aged document: Credit Report is more than 90 days prior to the note date. |  | xxxx | 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. | 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. | Originator,SitusAMC<br>Originator,SitusAMC | xxxx |  |  | 12/31/2025 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 305029113 | 36296662 |  | Credit | Document Inventory | General | Document Inventory | Final Inspection / 442 does not reflect all required repairs or property completion requirements. |  | xxxx |  |  |  | xxxx | 03/10/2026 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
| 305034457 | 36296664 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | xxxx |  |  |  | xxxx | 02/26/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305034457 | 36296665 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Blanket mortgage for 10 properties is on file as stated on initial purchase HUD 1. Need proof the entire mortgage is paid off. |  |  |  | xxxx | 02/16/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
| 305034457 | 36296666 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | xxxx |  |  |  | xxxx | 02/16/2026 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |

---

## Exhibit 99.4

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.4**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **Customer Loan ID** | **Original Loan Amount** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **Morningstar** | **Morningstar** | **Morningstar** |
| 304335456 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304326013 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304436479 | C |  | A | A | A | A | A | C | C | A |  | A | A | A | A | A | A | A |  |
| 304438712 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304680597 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304692499 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304707904 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304734611 | D |  |  |  |  |  |  | A | D | A |  |  |  |  |  |  | A | A |  |
| 304750298 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304750281 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304758713 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304730125 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304750341 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304764145 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304764237 | B |  |  |  |  |  |  | A | B | B |  |  |  |  |  |  | A | B |  |
| 304764146 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304764158 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304759908 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304757920 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304764230 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304729999 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304811931 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304819456 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304819409 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304769966 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304720358 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304757996 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304779571 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304826754 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 304769950 | B |  |  |  |  |  |  | A | B | B |  |  |  |  |  |  | A | B |  |
| 304734637 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304824938 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304856211 | A |  | A | A | A | A | A | D | D | A |  | A | A | A | A | A | A | A |  |
| 304754832 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304754833 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304840932 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304860681 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304824943 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304844392 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304874056 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304856343 | B |  |  |  |  |  |  | A | B | B |  |  |  |  |  |  | A | B |  |
| 304873056 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 304874908 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304839631 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304828376 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 304764190 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304867418 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304849079 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304844428 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304869313 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304867366 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304869315 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304847715 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304844828 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304844797 | B |  |  |  |  |  |  | A B | B | B |  |  |  |  |  |  | A B | B |  |
| 304844796 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304899127 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304889796 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304889779 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304889894 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304869279 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304868679 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304868696 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304868678 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304868666 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304868668 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304868695 | C |  |  |  |  |  |  | A | C | A |  |  |  |  |  |  | A | A |  |
| 304868680 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304894182 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305026560 | C |  |  |  |  |  |  | A | C | B |  |  |  |  |  |  | A | B |  |
| 304889776 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304889772 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304889769 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 305024331 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 304891103 | A |  |  |  |  |  |  | A | A | A |  |  |  |  |  |  | A | A |  |
| 305034513 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305024420 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305029162 | D |  | N/A | N/A | N/A | N/A | N/A | A | D | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305043844 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034455 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043837 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030665 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305043843 | A |  | N/A | N/A | N/A | N/A | N/A | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043833 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043839 | C |  | N/A | N/A | N/A | N/A | N/A | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034436 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043859 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034451 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305034462 | C |  | N/A | N/A | N/A | N/A | N/A | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030669 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305043819 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054777 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054727 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054706 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054789 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054760 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054737 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054703 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054767 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054757 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054783 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054769 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054739 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054738 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054729 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054702 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054748 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054772 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054763 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054736 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305029030 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054753 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054704 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054774 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054768 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054759 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054758 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054719 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054700 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054780 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054765 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054734 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054712 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054751 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054792 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054776 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054756 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054731 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054715 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054714 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054708 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054773 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054764 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054741 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054710 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054771 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054730 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305050337 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305054754 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054745 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054779 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054733 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305054723 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305051445 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 304825011 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034490 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304889869 | C D |  |  |  |  |  |  | A | C D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034494 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034492 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304911616 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034487 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034473 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305024371 | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305034484 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305024240 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305024241 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034474 | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305024339 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034483 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034470 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304911519 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305030674 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034460 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034466 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 304894604 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305047151 | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| 305060439 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060916 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060910 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060447 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060530 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060429 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060927 | C |  | N/A | N/A | N/A | N/A | N/A | C | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060919 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060915 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060909 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060901 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060542 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060885 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060873 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060872 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060505 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060491 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060445 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060558 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060552 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060922 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060906 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060543 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060450 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060865 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060841 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060840 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060828 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060827 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060579 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060578 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060528 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060527 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060521 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060435 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060440 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060488 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060474 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060454 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060881 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060878 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060867 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060866 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060856 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060847 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060567 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060516 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060499 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060431 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060550 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060548 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060923 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060538 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060537 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060467 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060869 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060832 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060584 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060485 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060559 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060933 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060928 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060920 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060914 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060898 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060540 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060477 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060476 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060453 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060451 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060871 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060853 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060511 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060509 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060434 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060442 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060480 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060577 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060529 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060507 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060506 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060436 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060555 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060829 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060824 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060580 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060526 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060497 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060494 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060493 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060444 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060483 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060554 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060468 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060460 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060459 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060446 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060888 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060876 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060859 | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060849 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060848 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060826 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060825 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060576 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060575 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060574 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060573 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060502 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060501 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060500 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060438 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060482 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060557 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060547 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060931 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060925 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060924 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060473 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060472 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060519 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060518 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060560 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060544 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060934 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060921 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060918 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060913 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060897 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060893 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060535 | A |  | N/A | N/A | N/A | N/A | N/A | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060880 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060879 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060563 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060495 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060433 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060441 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060478 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060549 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060926 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060917 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060892 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060891 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060533 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060471 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060470 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060456 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060455 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060887 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060875 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060874 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060863 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060836 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060835 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305060834 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060571 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060515 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060514 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305060513 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305061642 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305061641 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305050786 | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305054635 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305053574 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305053584 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305054587 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305050358 | B |  | C | C | C | C | C | A | C | B |  | B | B | B | B | B | A | B |  |
| 305044783 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305051442 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305042281 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305053481 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305057539 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305057599 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305030657 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305057541 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305060997 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305057678 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305057952 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305047860 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305057525 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305061631 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305052634 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305059698 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305061674 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305057897 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305043820 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305061545 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305063733 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305046116 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305056376 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305046128 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305063358 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305061080 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305072143 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305072142 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305072145 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305072123 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305072147 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305072104 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305072140 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305072129 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305072109 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305039466 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305064397 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305055840 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305060985 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305061607 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305054953 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305064748 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304904416 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305058343 | C |  | C | C | C | C | C | A | C | B |  | A | A | A | A | A | A | B |  |
| 305057735 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305054918 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305060406 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305064971 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305063765 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305054914 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305060687 | A |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305064396 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305069533 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069398 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069539 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069464 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069466 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069411 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069478 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069534 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069456 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069512 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069443 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069401 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305061625 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305066760 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305063797 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305065535 | B |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305065880 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305078781 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078803 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078807 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305031646 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305073635 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073660 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073632 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073683 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073714 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073665 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305034477 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073658 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073691 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073657 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073612 | D |  | N/A | N/A | N/A | N/A | N/A | A | D | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073760 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073667 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073724 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073666 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069726 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305063381 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305062297 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305053761 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305069431 | C |  | N/A | N/A | N/A | N/A | N/A | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073699 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073697 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305073695 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069418 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073696 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073650 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073672 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073662 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069526 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073708 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073741 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073607 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069468 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069439 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069465 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073713 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073744 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069428 | C |  | N/A | N/A | N/A | N/A | N/A | C | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069525 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305073690 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073636 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073706 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073707 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073700 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073678 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069477 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074595 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073685 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073627 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073615 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073600 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069499 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305064051 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305078457 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305069725 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305067603 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305065469 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305070061 | A |  | B | B | B | B | B | B | B | A |  | B | B | B | B | B | B | B |  |
| 305064741 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305073747 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073709 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073716 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073604 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073717 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073613 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073719 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074572 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074560 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073687 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073647 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305074585 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074583 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073692 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305074586 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073712 | B |  | N/A | N/A | N/A | N/A | N/A | A | B | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305073603 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073720 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073674 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073522 | B |  | B | B | B | B | B | A | B | B |  | B | B | B | B | B | A | B |  |
| 305070120 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305069451 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069425 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305078251 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305064042 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305062306 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305067447 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305065489 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305067105 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305075881 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305078246 | A |  | B | B | B | B | B | A | B | A |  | B | B | B | B | B | A | B |  |
| 305065882 | A |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305077703 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305061911 | A |  | N/A | N/A | N/A | N/A | N/A | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069803 | B |  | A | A | A | A | A | A | B | B |  | A | A | A | A | A | A | B |  |
| 305043885 | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305073758 | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305069546 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073756 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073757 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069541 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305073755 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305044828 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305029889 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305039587 | D |  | C | C | C | C | C | A | D | A |  | A | A | A | A | A | A | A |  |
| 305033648 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305051878 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305057556 | D |  | C | C | C | C | C | A | D | B |  | B | B | B | B | B | A | B |  |
| 305055851 | A |  | A | A | A | A | A | C | C | A |  | A | A | A | A | A | A | A |  |
| 305044864 | D |  | B | B | B | B | B | A | D | A |  | B | B | B | B | B | A | B |  |
| 305052668 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305055852 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305061524 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305060643 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305050757 | C |  | C | C | C | C | C | A | C | A |  | A | A | A | A | A | A | A |  |
| 305050100 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305061589 | C |  | C | C | C | C | C | A | C | A |  | B | B | B | B | B | A | B |  |
| 305053743 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305064126 | C |  | B | B | B | B | B | A | C | A |  | B | B | B | B | B | A | B |  |
| 305054672 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305063615 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305067551 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304789458 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305051420 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305051118 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 305063712 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305063818 | C |  | A | A | A | A | A | A | C | B |  | A | A | A | A | A | A | B |  |
| 305047791 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305070524 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305074618 | C |  | A | A | A | A | A | A | C | A |  | A | A | A | A | A | A | A |  |
| 305073488 | A |  | A | A | A | A | A | A | A | A |  | A | A | A | A | A | A | A |  |
| 304687239 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305029113 | C |  |  |  |  |  |  | A | C | B |  | N/A | N/A | N/A | N/A | N/A | A | B |  |
| 305034457 | C |  |  |  |  |  |  | A | C | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069543 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |
| 305069545 | A |  |  |  |  |  |  | A | A | A |  | N/A | N/A | N/A | N/A | N/A | A | A |  |

---

## Exhibit 99.5

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Customer Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| 304335456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 304326013 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304436479 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.040% |  |  | AVM |  | 0.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
| 304438712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304680597 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 304692499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304707904 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 304734611 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750298 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750281 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304758713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304730125 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304750341 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764237 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764146 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764158 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304759908 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.410% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304757920 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.70 |
| 304764230 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304729999 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304811931 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304819409 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304769966 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304720358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304757996 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304779571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
| 304826754 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304769950 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -1.320% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304734637 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304824938 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304856211 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 304754832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304754833 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304840932 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.60 |
| 304860681 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304824943 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844392 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304874056 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
| 304856343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 2.60 |
| 304873056 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 304874908 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.10 |
| 304839631 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304828376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304764190 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867418 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304849079 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869313 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304867366 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869315 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304847715 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844828 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.660% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  | -33.110% |  | 0.1291 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304844796 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.220% |  |  | AVM |  | 0.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304899127 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889796 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889779 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889894 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304869279 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868679 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 7.140% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868696 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 304868678 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 3.450% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868666 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 4.60 |
| 304868668 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304868695 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304868680 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304894182 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
| 305026560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.230% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889776 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024331 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304891103 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 8.570% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034513 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.580% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024420 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.830% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029162 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.460% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043844 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034455 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043837 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030665 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.600% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043843 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043833 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043839 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034436 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043859 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034462 |  |  |  |  |  |  | 23.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Drive By |  |  |  |  |  |  |  |  |  |  |  | 23.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030669 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.480% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305043819 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054777 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054727 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054706 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054789 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054760 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054737 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054767 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054757 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054783 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054769 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054739 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054738 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054729 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054702 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054748 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054772 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054763 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054736 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029030 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054753 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054704 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054774 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054768 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054759 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054758 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054719 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054700 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054780 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054765 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054734 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.840% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054751 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054792 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054776 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054756 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054731 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054715 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054714 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054708 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054773 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054764 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054741 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054710 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054771 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.090% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054730 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305050337 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.630% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054754 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 6.610% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054745 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054779 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054733 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054723 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305051445 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 304825011 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034490 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.690% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304889869 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034492 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304911616 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.790% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034487 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -3.330% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034473 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024371 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034484 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024240 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024241 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305024339 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034483 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304911519 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305030674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034466 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304894604 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305047151 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.710% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060916 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060910 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060530 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060429 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060927 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.210% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060919 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060915 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060909 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060901 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060542 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060885 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.890% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060873 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060872 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060505 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060491 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060445 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060558 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060552 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.160% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060922 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060906 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060450 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060865 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060841 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060828 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.690% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060827 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060579 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.550% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060578 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060528 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060527 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060521 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060435 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060440 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060474 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060454 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060881 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060878 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060867 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060866 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060856 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060847 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060567 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060516 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.090% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060431 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.500% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060550 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060548 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060923 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060538 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060537 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.740% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060467 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060869 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060832 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060584 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060485 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060559 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060933 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060928 |  |  |  |  |  |  | 12.500% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060920 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060914 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060898 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060540 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060476 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060453 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.890% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060871 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060853 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060511 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060509 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060434 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060480 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060577 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060529 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060507 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 305060506 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060436 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  | 0.000% |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060555 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060829 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060824 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060580 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.490% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.810% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060497 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.780% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060494 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060493 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060444 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060483 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060554 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060468 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060460 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060459 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060446 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060888 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060876 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -9.410% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060859 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060849 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060848 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060826 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060825 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060576 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.700% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060575 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060574 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.910% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060573 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060502 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060501 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060500 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060438 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060482 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060557 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060547 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060931 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060925 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.620% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060924 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060473 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060472 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060519 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060518 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 1.200% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060544 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.670% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060934 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060921 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060918 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060913 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060897 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060893 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060535 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060880 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060879 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060563 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060495 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060433 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060441 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060549 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060926 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060917 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060892 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060891 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060533 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060471 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060470 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.210% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060455 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060887 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.690% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060875 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060874 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060863 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060836 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060835 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060834 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060571 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060515 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060514 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.610% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305060513 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305061642 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
| 305061641 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305050786 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305054635 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305053574 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305053584 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
| 305054587 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305050358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.30 |
| 305044783 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 305051442 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305042281 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305053481 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305057539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305057599 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 305030657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305057541 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305060997 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
| 305057678 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 305057952 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305047860 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 305057525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 305061631 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305052634 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
| 305059698 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305061674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305057897 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305043820 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305061545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305063733 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305046116 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305056376 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.670% |  |  | AVM |  | 0.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305046128 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -8.560% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305063358 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 305061080 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305072143 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 305072142 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305072145 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305072123 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 305072147 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305072104 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
| 305072140 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 2.80 |
| 305072129 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 305072109 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
| 305039466 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305064397 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305055840 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305060985 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305061607 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305054953 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 305064748 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 304904416 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 305058343 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305057735 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305054918 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
| 305060406 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305064971 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.00 | 2.30 |
| 305063765 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305054914 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305060687 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305064396 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
| 305069533 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069398 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069539 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069464 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069466 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069411 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069478 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069534 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069456 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069512 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069443 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069401 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305061625 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305066760 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305063797 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 305065535 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.590% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305065880 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 |  |
| 305078781 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078803 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078807 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305031646 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
| 305073635 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073660 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073632 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073683 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073714 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073665 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073658 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073691 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073657 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073612 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073760 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073667 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073724 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073666 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069726 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305063381 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305062297 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 305053761 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305069431 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073699 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073697 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073695 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069418 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073696 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073650 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.710% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073662 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069526 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073708 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073741 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073607 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.410% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069468 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069439 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069465 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -4.550% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073713 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073744 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069428 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069525 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073690 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073636 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -6.560% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073706 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073707 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073700 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073678 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069477 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074595 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073685 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073627 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.690% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073615 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073600 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069499 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064051 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305069725 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 3.20 |
| 305067603 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305065469 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 305070061 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305064741 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 305073747 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073709 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073716 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 2.210% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073604 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073717 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073613 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073719 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074572 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074560 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073687 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073647 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074585 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074583 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073692 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305074586 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073603 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073720 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073674 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073522 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 |  |
| 305070120 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305069451 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069425 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -2.650% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078251 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 |  |
| 305064042 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305062306 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305067447 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.20 | 2.20 |
| 305065489 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.10 |
| 305067105 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 1.00 |
| 305075881 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 4.620% |  |  | AVM |  | 0.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305078246 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305065882 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
| 305077703 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
| 305061911 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 5.530% |  |  | AVM |  | 0.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069803 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
| 305043885 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073758 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069546 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073756 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073757 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069541 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -5.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305073755 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305044828 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029889 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.890% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 305039587 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
| 305033648 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 305051878 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.20 |
| 305057556 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
| 305055851 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
| 305044864 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
| 305052668 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305055852 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305061524 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
| 305060643 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
| 305050757 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305050100 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
| 305061589 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
| 305053743 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 305064126 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305054672 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
| 305063615 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305067551 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
| 304789458 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305051420 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305051118 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
| 305063712 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
| 305063818 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305047791 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305070524 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
| 305074618 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
| 305073488 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 304687239 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305029113 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | BPO |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305034457 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -7.690% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069543 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| 305069545 |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | 0.000% |  |  | Desk Review |  |  | xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.6

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**EXECUTIVE SUMMARY**

**JPMMT 2026-NQM3**

**By Clarifii LLC on May 1, 2026**

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 1

![](ex996001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 173 loans (the "Loans" or the "Pool") and the Loans were subsequently acquired by JPMorgan Chase Bank, National Association (the "Client") for the JPMMT 2026-NQM3 transaction. The Loans referenced in this narrative report were reviewed in between 05/2024 to 03/2026 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:

---

| | | | |
|:---|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **% of Pool (by loan count)** | **Original Balance** |
| Retail | 15 | 8.67% | $10262350.00 |
| Correspondent Flow with Delegated UW | 6 | 3.47% | $2281350.00 |
| Correspondent Flow without Delegated UW | 1 | 0.58% | $1270000.00 |
| Wholesale | 151 | 87.28% | $110815898.00 |
| **Total** | **173** | **100.00%** | **$124629598.00** |

---

The Review consisted of a population of 173 Loans, with an aggregate principal balance of $124,629,598.00.

**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 Loans within the transaction that were submitted to Clarifii for review.

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 2

![](ex996001.jpg)

---

| | |
|:---|:---|
| **Identity of NRSRO** | **Title and Date of Criteria** |
| S&P Global Ratings | Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025 |
| Fitch Ratings, Inc. | U.S. RMBS Rating Criteria, October 1, 2025 |
| Kroll Bond Rating Agency, LLC | U.S. RMBS Rating Methodology, December 7, 2023 |
| Moody's Investors Service, Inc. | U.S. Residential Mortgage-backed Securitizations, dated as of August 20, 2025 |
| DBRS, Inc. | Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024. |

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 3

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Middle Name |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - Female |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Telephone Interview |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Email or Internet |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Middle Name |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 4

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Index |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Is the Condo Project warrantable |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &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;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 5

![](ex996001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying Amortization Term |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying HLTV |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Total Qualified Assets Available For Reserves |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Vested Business Entity Name |

---

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **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

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● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– 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

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● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

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● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

**COMPLIANCE REVIEW**

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

● **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

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

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

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

Reviewed to ensure compliance with RESPA/Regulation X documentation and timing requirements in effect at origination of the 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.

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**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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If a Loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency, as permitted under the QM final rule, 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)**

If applicable, Clarifii reviewed the Loans 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.*

If applicable, 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.

**VALUATION REVIEW**

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

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

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;75 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;54 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;71A / Appraisal Narrative | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 |

---

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**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. |

---

**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. |

---

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**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Overall Review Results** | **Final Overall Review Results** | **Final Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 144 | 83.24% |
| B | 29 | 16.76% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **173** | **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.

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 17

![](ex996001.jpg)

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 150 | 86.71% |
| B | 23 | 13.29% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **173** | **100.00%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **Loan Count** | **% of Sample** |
| A | 171 | 98.84% |
| B | 2 | 1.16% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **173** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **Loan Count** | **% of Sample** |
| A | 167 | 96.53% |
| B | 6 | 3.47% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **173** | **100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.58% | &nbsp;&nbsp;$1825000.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;172 | &nbsp;&nbsp;99.42% | &nbsp;&nbsp;$122804598.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**173** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$124629598.00** |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 18

![](ex996001.jpg)

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;55 | &nbsp;&nbsp;31.79% | &nbsp;&nbsp;$46320970.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.73% | &nbsp;&nbsp;$1672400.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;115 | &nbsp;&nbsp;66.47% | &nbsp;&nbsp;$76636228.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**173** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$124629598.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;111 | &nbsp;&nbsp;64.16% | &nbsp;&nbsp;$84671329.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;62 | &nbsp;&nbsp;35.84% | &nbsp;&nbsp;$39958269.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**173** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$124629598.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;173 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$124629598.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**173** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$124629598.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool (by loan count)** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.58% | &nbsp;&nbsp;$100000.00 |
| &nbsp;&nbsp;480 | &nbsp;&nbsp;4 | &nbsp;&nbsp;2.31% | &nbsp;&nbsp;$3063949.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;168 | &nbsp;&nbsp;97.11% | &nbsp;&nbsp;$121465649.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**173** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$124629598.00** |

---

**DATA COMPARE RESULTS**

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

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 19

![](ex996001.jpg)

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| **Data Comparison Fields** | **Loans With Discrepancy** | **Total Times Compared** | **Accuracy %** |
| Amortization Term | 0 | 162 | 100.00% |
| Amount of Other Lien | 0 | 1 | 100.00% |
| Application Date | 49 | 162 | 69.75% |
| Balloon Flag | 0 | 162 | 100.00% |
| Borrower 1 Any Outstanding Judgments? | 0 | 8 | 100.00% |
| Borrower 1 Any part of down payment borrowed? | 0 | 8 | 100.00% |
| Borrower 1 Bankruptcy in past 7 years? | 0 | 18 | 100.00% |
| Borrower 1 Birthdate | 0 | 162 | 100.00% |
| Borrower 1 Citizen | 0 | 8 | 100.00% |
| Borrower 1 Country Name | 1 | 8 | 87.50% |
| Borrower 1 Credit Report Date | 2 | 10 | 80.00% |
| Borrower 1 Do you intend to occupy property as primary residence? | 0 | 8 | 100.00% |
| Borrower 1 Email or Internet | 0 | 160 | 100.00% |
| Borrower 1 Employer 1 Position | 0 | 6 | 100.00% |
| Borrower 1 Employer 1 Years in Line of Work | 1 | 5 | 80.00% |
| Borrower 1 Ethnicity - Cuban | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity - Hispanic or Latino | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity - I do not wish to provide this information | 0 | 8 | 100.00% |
| Borrower 1 Ethnicity - Mexican | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity - Not Hispanic or Latino | 0 | 7 | 100.00% |
| Borrower 1 Ethnicity - Other Hispanic or Latino | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity - Puerto Rican | 0 | 1 | 100.00% |
| Borrower 1 Ethnicity Visual Observation or Surname | 0 | 6 | 100.00% |
| Borrower 1 First Name | 1 | 173 | 99.42% |
| Borrower 1 Foreclosure in past 7 years? | 0 | 8 | 100.00% |
| Borrower 1 FTHB | 0 | 10 | 100.00% |
| Borrower 1 Has there been ownership in a property in last 3 yrs | 2 | 6 | 66.67% |
| Borrower 1 How was title held? | 0 | 5 | 100.00% |
| Borrower 1 Last Name | 6 | 173 | 96.53% |
| Borrower 1 Marital Status | 0 | 8 | 100.00% |
| Borrower 1 Middle Name | 0 | 4 | 100.00% |
| Borrower 1 Name of Employer1 | 0 | 6 | 100.00% |
| Borrower 1 Originator Citizenship Designation | 1 | 154 | 99.35% |
| Borrower 1 Other Income | 0 | 3 | 100.00% |
| Borrower 1 Phone Number | 0 | 150 | 100.00% |
| Borrower 1 Qualifying Income | 1 | 7 | 85.71% |
| Borrower 1 Race - I do not wish to provide this information | 0 | 8 | 100.00% |
| Borrower 1 Race - White | 0 | 8 | 100.00% |
| Borrower 1 Rent or Own | 1 | 8 | 87.50% |
| Borrower 1 Self-Employment Flag | 0 | 7 | 100.00% |
| Borrower 1 Sex - Female | 0 | 2 | 100.00% |
| Borrower 1 Sex - I do not wish to provide this information | 0 | 8 | 100.00% |
| Borrower 1 Sex - Male | 0 | 6 | 100.00% |
| Borrower 1 SSN | 0 | 163 | 100.00% |
| Borrower 1 Telephone Interview | 0 | 2 | 100.00% |
| Borrower 1 Years in Current Home | 2 | 8 | 75.00% |
| Borrower 2 Birthdate | 0 | 3 | 100.00% |
| Borrower 2 Citizen | 0 | 3 | 100.00% |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 20

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Borrower 2 Do you intend to occupy property as primary residence? | 0 | 3 | 100.00% |
| Borrower 2 Email or Internet | 0 | 3 | 100.00% |
| Borrower 2 Employer 1 Position | 0 | 2 | 100.00% |
| Borrower 2 Employer 1 Years in Line of Work | 0 | 2 | 100.00% |
| Borrower 2 Ethnicity - I do not wish to provide this information | 0 | 3 | 100.00% |
| Borrower 2 Ethnicity - Not Hispanic or Latino | 0 | 3 | 100.00% |
| Borrower 2 Ethnicity Visual Observation or Surname | 0 | 1 | 100.00% |
| Borrower 2 First Name | 0 | 22 | 100.00% |
| Borrower 2 Last Name | 1 | 22 | 95.45% |
| Borrower 2 Marital Status | 0 | 3 | 100.00% |
| Borrower 2 Middle Name | 0 | 2 | 100.00% |
| Borrower 2 Name of Employer1 | 0 | 2 | 100.00% |
| Borrower 2 Originator Citizenship Designation | 1 | 18 | 94.44% |
| Borrower 2 Qualifying Income | 1 | 1 | 0.00% |
| Borrower 2 Race - I do not wish to provide this information | 0 | 3 | 100.00% |
| Borrower 2 Race - White | 0 | 3 | 100.00% |
| Borrower 2 Rent or Own | 0 | 3 | 100.00% |
| Borrower 2 Self-Employment Flag | 1 | 3 | 66.67% |
| Borrower 2 Sex - Female | 0 | 2 | 100.00% |
| Borrower 2 Sex - I do not wish to provide this information | 0 | 3 | 100.00% |
| Borrower 2 Sex - Male | 0 | 1 | 100.00% |
| Borrower 2 SSN | 0 | 20 | 100.00% |
| Borrower 2 Years in Current Home | 0 | 3 | 100.00% |
| Calculated DSCR | 16 | 157 | 89.81% |
| Cash Disbursement Date | 59 | 164 | 64.02% |
| FHA Streamline/VA IRRL Indicator | 0 | 8 | 100.00% |
| First Payment Date | 1 | 165 | 99.39% |
| HOA Flag | 2 | 154 | 98.70% |
| Index | 0 | 1 | 100.00% |
| Initial Monthly P&I Or IO Payment | 0 | 164 | 100.00% |
| Initial Originator Signature Date | 3 | 7 | 57.14% |
| Interest Only Flag | 0 | 163 | 100.00% |
| Interest Only Term | 0 | 29 | 100.00% |
| Interest Rate | 0 | 173 | 100.00% |
| Investor Loan ID | 0 | 172 | 100.00% |
| Is the Condo Project warrantable | 9 | 16 | 43.75% |
| Lien Position | 0 | 163 | 100.00% |
| Loan Amount | 0 | 12 | 100.00% |
| Loan ID | 0 | 173 | 100.00% |
| Loan Origination Company | 0 | 8 | 100.00% |
| Loan Origination Company NMLS | 0 | 8 | 100.00% |
| Loan Program | 0 | 11 | 100.00% |
| Loan Purpose | 0 | 173 | 100.00% |
| Loan Type | 1 | 8 | 87.50% |
| Margin | 0 | 1 | 100.00% |
| Maturity Date | 2 | 164 | 98.78% |
| MIN No | 0 | 164 | 100.00% |
| Negative Amortization Flag | 0 | 8 | 100.00% |
| Note Date | 123 | 164 | 25.00% |
| Note Type | 0 | 8 | 100.00% |
| Number of Borrowers | 0 | 8 | 100.00% |
| Number of Mortgaged Properties | 4 | 8 | 50.00% |
| Number of Units | 0 | 173 | 100.00% |
| Occupancy | 0 | 173 | 100.00% |
| Origination Foreclosure Flag | 0 | 10 | 100.00% |
| Originator QM Status | 1 | 10 | 90.00% |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 21

![](ex996001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| Payment Frequency | 0 | 10 | 100.00% |
| Prepayment Penalty Flag | 0 | 107 | 100.00% |
| Prepayment Penalty Total Term | 3 | 160 | 98.13% |
| Primary Appraised Property Value | 3 | 164 | 98.17% |
| Property Address | 3 | 171 | 98.25% |
| Property City | 0 | 173 | 100.00% |
| Property County | 1 | 172 | 99.42% |
| Property Rights | 0 | 8 | 100.00% |
| Property State | 0 | 173 | 100.00% |
| Property Type | 50 | 165 | 69.70% |
| Property Value | 0 | 8 | 100.00% |
| Property Zip Code | 1 | 173 | 99.42% |
| Qualifying Amortization Term | 0 | 1 | 100.00% |
| Qualifying CLTV | 2 | 155 | 98.71% |
| Qualifying FICO | 1 | 164 | 99.39% |
| Qualifying HLTV | 0 | 1 | 100.00% |
| Qualifying LTV | 2 | 165 | 98.79% |
| Qualifying Total Debt Income Ratio | 40 | 162 | 75.31% |
| Qualifying Total Reserves Number of Months | 4 | 10 | 60.00% |
| Refinance Type | 2 | 6 | 66.67% |
| Sales Price | 0 | 135 | 100.00% |
| Seller Loan ID | 0 | 1 | 100.00% |
| Term | 0 | 11 | 100.00% |
| Total Qualified Assets Available For Reserves | 1 | 7 | 85.71% |
| Total Qualifying Income | 1 | 7 | 85.71% |
| ULI | 2 | 147 | 98.64% |
| Vested Business Entity Name | 0 | 2 | 100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 22

![](ex996001.jpg)

**Disclaimer**

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

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

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

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

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

JPMMT 2026-NQM3 Due Diligence Narrative Report – PagE \| 23

## Exhibit 99.7

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.7**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | XXXX | 304674433 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304674433 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304875623 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file |
| XXXX | XXXX | 304875623 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final CD in file. |
| XXXX | XXXX | 304875621 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875621 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 304758097 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304758097 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 304758097 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 2966.55 | DSCR Loan |
| XXXX | XXXX | 304875613 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892636 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304892636 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304892636 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Appraisal/ Condo Questionnaire |
| XXXX | XXXX | 304778045 | XXXX | Loan Type | the1003Page | DSCR | Conventional | per loan approval |
| XXXX | XXXX | 304778045 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Per 1003 |
| XXXX | XXXX | 304817032 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304817032 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Final CD |
| XXXX | XXXX | 304817006 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304817035 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304817035 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | 2-4 Unit per appraisal |
| XXXX | XXXX | 304817035 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1148.01 | DSCR loan |
| XXXX | XXXX | 304813411 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | per bank statements |
| XXXX | XXXX | 304825212 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825212 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.346 | 1.45 | Per lender DSCR Calc Worksheet. |
| XXXX | XXXX | 304825200 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825200 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304875587 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304875587 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | 2 unit per appraisal |
| XXXX | XXXX | 304875593 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304875593 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304825171 | XXXX | Maturity Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825171 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304825171 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 304825171 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 304825171 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 187.59 | DSCR |
| XXXX | XXXX | 304875592 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304875592 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal. |
| XXXX | XXXX | 304856818 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 304856818 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | As per Audit, Docs, etc |
| XXXX | XXXX | 304856807 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304856807 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per commercial appsl |
| XXXX | XXXX | 304856807 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.069 | 1.083 | Audit used lower of leased or market rents |
| XXXX | XXXX | 304875606 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304875606 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 304875606 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Insufficient fidelity coverage |
| XXXX | XXXX | 304875608 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304875608 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875608 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 304875607 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304875607 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 304875607 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Insufficient fidelity coverage |
| XXXX | XXXX | 304875609 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304875609 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 304875609 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Insufficient fidelity coverage |
| XXXX | XXXX | 304856825 | XXXX | Note Date | notePage | XXXX | XXXX | PER EXECUTED NOTE |
| XXXX | XXXX | 304856825 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PER EXECUTED CD |
| XXXX | XXXX | 304856825 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal T/H in a PUD |
| XXXX | XXXX | 304856825 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal. Tape reflects last list price |
| XXXX | XXXX | 304856822 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304856822 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 304856822 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | per appraisal |
| XXXX | XXXX | 304856822 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 16.08 | 21.01 | Variance due to higher rental income |
| XXXX | XXXX | 304875615 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875615 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Title |
| XXXX | XXXX | 304875615 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.76 | 22.02 | Audit had higher REO and did not include other income reflected on 1008 |
| XXXX | XXXX | 304875614 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875614 | XXXX | Property Type | propertyValuationPage | Townhouse | PUD | Per Appraisal |
| XXXX | XXXX | 304875614 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 27.47 | 21.95 | Variance due to Audit calculating more negative rent on REO |
| XXXX | XXXX | 304875559 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875604 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1461.64 | DSCR Loan |
| XXXX | XXXX | 304875529 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Final CD |
| XXXX | XXXX | 304875435 | XXXX | Note Date | notePage | XXXX | XXXX | Per the note. |
| XXXX | XXXX | 304875435 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 4.48 | DSCR loan |
| XXXX | XXXX | 304875547 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875547 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 304875471 | XXXX | Note Date | notePage | XXXX | XXXX | As per Note |
| XXXX | XXXX | 304875471 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application |
| XXXX | XXXX | 304875471 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 304875532 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875532 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.74 | 42.20 | Lender used an unknown "other" payment in the PITIA per 1008 |
| XXXX | XXXX | 304875502 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304875502 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304875502 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | XXXX | 304875536 | XXXX | Note Date | notePage | XXXX | XXXX | Per note. |
| XXXX | XXXX | 304875472 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 304875472 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per executed cd |
| XXXX | XXXX | 304875472 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 30.86 | 39.72 | Audit calculated lower REO losses |
| XXXX | XXXX | 304875514 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875514 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 304875514 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304875514 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 808.81 | DSCR Loan |
| XXXX | XXXX | 304875503 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | XXXX | 304875503 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 5319.68 | DSCR |
| XXXX | XXXX | 304875503 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.03 | 1.052 | Audit calculated higher property taxes |
| XXXX | XXXX | 304875390 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875486 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875399 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 304875399 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.59 | 33.41 | Lender did not include MTG insurance on REO property. |
| XXXX | XXXX | 304875494 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304875494 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 304875494 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 84.30 | DSCR loan |
| XXXX | XXXX | 304892619 | XXXX | Note Date | notePage | XXXX | XXXX | Per the note |
| XXXX | XXXX | 304892619 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304892576 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 304875422 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875422 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 36.83 | 39.49 | Variance due to REO Calc. |
| XXXX | XXXX | 304875520 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892518 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304892518 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | XXXX | 304892513 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892513 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 304875349 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304875349 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final Settlement Statement |
| XXXX | XXXX | 304892582 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 304892582 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 304892582 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | As per Audit, Appraisal, etc |
| XXXX | XXXX | 304892594 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 304892594 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal report |
| XXXX | XXXX | 304892612 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 304892612 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 304892612 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 304892616 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 304892616 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 4161.42 | DSCR |
| XXXX | XXXX | 304892588 | XXXX | Note Date | notePage | XXXX | XXXX | Per ntoe |
| XXXX | XXXX | 304892588 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application in file |
| XXXX | XXXX | 304892588 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per title/appraisal |
| XXXX | XXXX | 304892588 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.911 | 1.584 | Audit used Market Rent/ PITIA. Lender PITIA higher |
| XXXX | XXXX | 304910090 | XXXX | Note Date | notePage | XXXX | XXXX | As per note |
| XXXX | XXXX | 304910090 | XXXX | HOA Flag | propertyValuationPage | No | Y | Per appraisal, subject does not have HOA fees |
| XXXX | XXXX | 304910090 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | From appraisal report |
| XXXX | XXXX | 304910065 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | 6 UNIT PER APPRAISAL |
| XXXX | XXXX | 305023684 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305023684 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Loan App |
| XXXX | XXXX | 305023684 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305023684 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | From appraisal report |
| XXXX | XXXX | 305023692 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305023692 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305023692 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305023692 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | As per Appraisal, docs |
| XXXX | XXXX | 305023681 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305023681 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | date per 1003 |
| XXXX | XXXX | 305023681 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | disbursement per final CD |
| XXXX | XXXX | 305023681 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | PER APPRAISAL |
| XXXX | XXXX | 305023681 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 117.68 | DSCR per 1003/1008 |
| XXXX | XXXX | 305023718 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305023718 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305023718 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | 7 unit per appraisal |
| XXXX | XXXX | 305023718 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 134.53 | DSCR Loan |
| XXXX | XXXX | 305029405 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029405 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | 4 unit condo - review not required. |
| XXXX | XXXX | 305029403 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305029403 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per credit report |
| XXXX | XXXX | 305029403 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305029462 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029462 | XXXX | Property Zip Code | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305029462 | XXXX | Property County | deedOfTrustPage | XXXX | XXXX | per Deed of Trust |
| XXXX | XXXX | 305029462 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305029462 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305029462 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.384 | 1.562 | Lender did not take into acct mgmt fees and used lower taxes |
| XXXX | XXXX | 305030885 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030885 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030885 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305030885 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305030885 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 448.97 | DSCR |
| XXXX | XXXX | 305023691 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305023691 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305023691 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305023691 | XXXX | Qualifying LTV | propertyValuationPage | 69.77 | 53.57 | Used lowest appraised value |
| XXXX | XXXX | 305023691 | XXXX | Qualifying CLTV | propertyValuationPage | 69.77 | 53.57 | Used lowest appraised value |
| XXXX | XXXX | 305023691 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305023691 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.978 | 2.015 | Audit used Market Rent/ PITIA. Lender Calculation not provided |
| XXXX | XXXX | 305030839 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030839 | XXXX | HOA Flag | propertyValuationPage | No | Y | per appraisal |
| XXXX | XXXX | 305030839 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.091 | 1.075 | Variance due to lender including monthly HOA dues. |
| XXXX | XXXX | 305029340 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305029340 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal |
| XXXX | XXXX | 305029340 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 6946.48 | DSCR |
| XXXX | XXXX | 305030822 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305030901 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed note in file. |
| XXXX | XXXX | 305030901 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application in file. |
| XXXX | XXXX | 305030901 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal and documents, subject is a 6 units. |
| XXXX | XXXX | 305030887 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305030887 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 824.95 | DSCR |
| XXXX | XXXX | 305035382 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305035382 | XXXX | ULI | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305035382 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305030865 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305030865 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305030865 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305030865 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per Appraisal. |
| XXXX | XXXX | 305030865 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 83.28 | DSCR |
| XXXX | XXXX | 305035342 | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035342 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035342 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Loan Application |
| XXXX | XXXX | 305035342 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal/title |
| XXXX | XXXX | 305035342 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 30.17 | DSCR Loan-no DTI |
| XXXX | XXXX | 305039248 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305039248 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | per appraisal |
| XXXX | XXXX | 305039248 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | per appraisal |
| XXXX | XXXX | 305039248 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.736 | 1.102 | Audit DSCR matches Lender's calculation |
| XXXX | XXXX | 305035387 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305035407 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035407 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305035407 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305035407 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305035407 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.436 | 1.477 | Matches lender calculation |
| XXXX | XXXX | 305039329 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039329 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305035416 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035416 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035416 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Credit Report |
| XXXX | XXXX | 305035416 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per 1008/Appraisal Report |
| XXXX | XXXX | 305035416 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final Cd |
| XXXX | XXXX | 305035416 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.184 | 1.15 | Lender Calculation not provided |
| XXXX | XXXX | 304897221 | XXXX | Total Qualifying Income | employmentIncomePage | XXXX | XXXX | Per income documents |
| XXXX | XXXX | 304897221 | XXXX | Borrower 1 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per income documents |
| XXXX | XXXX | 304897221 | XXXX | Borrower 2 Qualifying Income | employmentIncomePage | XXXX | XXXX | Per income documents |
| XXXX | XXXX | 304897221 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | Per assets |
| XXXX | XXXX | 305035314 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305035314 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | XXXX | 305039352 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039352 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039209 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039227 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039227 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305039227 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305039213 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305039213 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD. |
| XXXX | XXXX | 305039213 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per Condo documents |
| XXXX | XXXX | 305035368 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.026 | 1.282 | Audit used STR/ PITIA. |
| XXXX | XXXX | 305035368 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 90.38 | DSCR Loan |
| XXXX | XXXX | 305023759 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305023759 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305023759 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 223.33 | DSCR |
| XXXX | XXXX | 305035338 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305035338 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305035338 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per cd |
| XXXX | XXXX | 305035338 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 511.45 | dscr - no dti |
| XXXX | XXXX | 305035432 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | per appraisal |
| XXXX | XXXX | 305035432 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 305035432 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.498 | 1.212 | per leases, note, taxes and HOI |
| XXXX | XXXX | 305035432 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1118.41 | dscr - no dti |
| XXXX | XXXX | 305039221 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039221 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305039313 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305039313 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | XXXX | 305039229 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305039229 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305039229 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per HUD |
| XXXX | XXXX | 305039199 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal, subject is 3 unit property |
| XXXX | XXXX | 305039199 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 363.43 | Per Approval loan is DSCR, no DTI calculated |
| XXXX | XXXX | 305051918 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305055892 | XXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | No | Yes | B1 owns 100% |
| XXXX | XXXX | 305055892 | XXXX | Refinance Type | the1003Page | Cash Out - Other | LimitedCashOut | Per 1008 and final CD |
| XXXX | XXXX | 305055892 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | per 1003 number of REO owned and financed |
| XXXX | XXXX | 305051908 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305051993 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051993 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305051993 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305051993 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Attached | 5 Unit property per appraisal |
| XXXX | XXXX | 305051993 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.141 | 1.186 | lender did not account for the management fee reducing rental income |
| XXXX | XXXX | 305051993 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 640.97 | DSCR Loan |
| XXXX | XXXX | 305051977 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051977 | XXXX | Is the Condo Project warrantable | propertyValuationPage | No | Y | Condo Non-Warrantable - Investor concentration, UW input comments on 1008. |
| XXXX | XXXX | 305051943 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305051943 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305051943 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 39.23 | 36.23 | Due to difference related to other credit obligations payments included by Audit. |
| XXXX | XXXX | 305051938 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305051991 | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL NOTE. |
| XXXX | XXXX | 305051991 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003 BORR SIGN DATE. |
| XXXX | XXXX | 305051991 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PER FINAL CD DISBURS DATE. |
| XXXX | XXXX | 305051991 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | From appraisal report |
| XXXX | XXXX | 305051940 | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051940 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051940 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051940 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per PCCD |
| XXXX | XXXX | 305051967 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051967 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305055939 | XXXX | Borrower 1 Years in Current Home | the1003Page | 5 | 60 | Audit value is in years, not months |
| XXXX | XXXX | 305055939 | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 4.75 | 57 | Audit value is in years, not months |
| XXXX | XXXX | 305055939 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 1 | Borrower owns departing residence plus current purchase |
| XXXX | XXXX | 305055932 | XXXX | Initial Originator Signature Date | complianceDetailPage | XXXX | XXXX | per initial application |
| XXXX | XXXX | 305055932 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial Application |
| XXXX | XXXX | 305055923 | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | Per Credit report and 1003 |
| XXXX | XXXX | 305051952 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051952 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per appraisal and condo questionnaire |
| XXXX | XXXX | 305051952 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.74 | 40.99 | DTI variance include IRS payment. |
| XXXX | XXXX | 305052017 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305051930 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305051930 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 application. |
| XXXX | XXXX | 305051930 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD. |
| XXXX | XXXX | 305051963 | XXXX | Prepayment Penalty Total Term | notePage | 12 | 1 Year | Per Note PPP in months |
| XXXX | XXXX | 305051963 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application. |
| XXXX | XXXX | 305051963 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 305051963 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 31597.76 | DSCR |
| XXXX | XXXX | 305051942 | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE. |
| XXXX | XXXX | 305051942 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE. |
| XXXX | XXXX | 305051942 | XXXX | Borrower 2 Last Name | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE. |
| XXXX | XXXX | 305051942 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003 BORR 1 SIGN DATE. |
| XXXX | XXXX | 305051942 | XXXX | B2 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 |
| XXXX | XXXX | 305051942 | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Foreign National | NonPermanentResidentAlien | Per 1003 |
| XXXX | XXXX | 305051935 | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE DATE. |
| XXXX | XXXX | 305051935 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305051934 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051932 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051907 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305051907 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | XXXX | 305051889 | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE DATE. |
| XXXX | XXXX | 305051889 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PER FINAL CD DISBURSE DATE. |
| XXXX | XXXX | 305051889 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 4508.06 | DSCR no DTI |
| XXXX | XXXX | 305052023 | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL PROMISSARY NOTE DATE. |
| XXXX | XXXX | 305052023 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PER FINAL CD DISBURSE NOTE. |
| XXXX | XXXX | 305052016 | XXXX | Prepayment Penalty Total Term | notePage | 60 | 5 Year | Per Note. |
| XXXX | XXXX | 305052016 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305052016 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 305052016 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final CD |
| XXXX | XXXX | 305052016 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | From appraisal report |
| XXXX | XXXX | 305052016 | XXXX | Qualifying CLTV | propertyValuationPage | 74.79 | 66.67 | Appraised value lower |
| XXXX | XXXX | 305052016 | XXXX | Qualifying LTV | propertyValuationPage | 74.79 | 66.67 | Appraised Value lower |
| XXXX | XXXX | 305051947 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305051947 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per Application |
| XXXX | XXXX | 305051947 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305051947 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.022 | 1.035 | HOI that the Lender calculated is not what the HOI policy/receipt reflects. |
| XXXX | XXXX | 305051947 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 218.50 | DSCR |
| XXXX | XXXX | 305051886 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305051886 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305051886 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.007 | 1.024 | 1007/ PITIA. Lease term on appraisal expired. |
| XXXX | XXXX | 305051948 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305051948 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial loan app |
| XXXX | XXXX | 305051948 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per final cd |
| XXXX | XXXX | 305052013 | XXXX | Note Date | notePage | XXXX | XXXX | Per executed Note in file |
| XXXX | XXXX | 305051980 | XXXX | First Payment Date | notePage | XXXX | XXXX | PER FINAL NOTE. |
| XXXX | XXXX | 305051980 | XXXX | Note Date | notePage | XXXX | XXXX | PER FINAL NOTE DATE. |
| XXXX | XXXX | 305051980 | XXXX | Maturity Date | notePage | XXXX | XXXX | PER FINAL NOTE MATURITY DATE. |
| XXXX | XXXX | 305051980 | XXXX | Prepayment Penalty Total Term | notePage | 36 | 1 Year | PER FINAL NOTE PREPAYMENT RIDER. |
| XXXX | XXXX | 305051980 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | PER INITIAL 1003 BORR SIGN DATE. |
| XXXX | XXXX | 305051980 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | PER PCCD DISBURSE DATE. |
| XXXX | XXXX | 305051980 | XXXX | Property Type | propertyValuationPage | Single Family Detached | Condominium | subject is a HPR-Detached - not a condo |
| XXXX | XXXX | 305051939 | XXXX | Is the Condo Project warrantable | propertyValuationPage | Yes | No | Per 1008. |
| XXXX | XXXX | 305051972 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305051972 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305051972 | XXXX | Qualifying FICO | creditLiabilitiesPage | 742 | 764 | per credit report classic fico |
| XXXX | XXXX | 305051972 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 272.22 | DSCR Loan |
| XXXX | XXXX | 305051887 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305051887 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | XXXX | 305051887 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305051887 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 22316.38 | DSCR |
| XXXX | XXXX | 305051902 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305051909 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note. |
| XXXX | XXXX | 305051909 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application. |
| XXXX | XXXX | 305051909 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Final CD. |
| XXXX | XXXX | 305051909 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 8697.09 | DSCR |
| XXXX | XXXX | 305062505 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305052004 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305052004 | XXXX | ULI | the1003Page | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305062507 | XXXX | Note Date | notePage | XXXX | XXXX | per NOTE |
| XXXX | XXXX | 305055901 | XXXX | Initial Originator Signature Date | complianceDetailPage | XXXX | XXXX | per 1003 |
| XXXX | XXXX | 305055901 | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | Per 1003 |
| XXXX | XXXX | 305055901 | XXXX | Refinance Type | the1003Page | No Cash Out - Borrower Initiated | LimitedCashOut | Per final CD |
| XXXX | XXXX | 305055901 | XXXX | Borrower 1 Rent or Own | the1003Page | Own | LivingRentFree | Per Final 1003. |
| XXXX | XXXX | 305055901 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Fraud Guard |
| XXXX | XXXX | 305055901 | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per final 1003 |
| XXXX | XXXX | 305055901 | XXXX | Borrower 1 Years in Current Home | the1003Page | 1.42 | 264 | per final 1003 |
| XXXX | XXXX | 305062540 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062540 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial application |
| XXXX | XXXX | 305062540 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305062502 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305062502 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per initial 1003 |
| XXXX | XXXX | 305062502 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305055900 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | XXXX | 305055900 | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per 1003 |
| XXXX | XXXX | 305055900 | XXXX | Initial Originator Signature Date | complianceDetailPage | XXXX | XXXX | Per Initial CD |
| XXXX | XXXX | 305062152 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062152 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per Settlement Statement |
| XXXX | XXXX | 305062152 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Per credit report |
| XXXX | XXXX | 305051976 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062526 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062526 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per final cd |
| XXXX | XXXX | 305062541 | XXXX | Note Date | notePage | XXXX | XXXX | per executed note |
| XXXX | XXXX | 305062465 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062465 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial Loan App |
| XXXX | XXXX | 305062465 | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Used lower BPO value due to being > 10% below appraised value. |
| XXXX | XXXX | 305062465 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305062465 | XXXX | Calculated DSCR | diligenceFinalLookPage | 1.122 | 1.155 | Lender did not deduct the management fee |
| XXXX | XXXX | 305062506 | XXXX | Note Date | notePage | XXXX | XXXX | Per note |
| XXXX | XXXX | 305062506 | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | XXXX | 305062506 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | 5 unit per appraisal |
| XXXX | XXXX | 305062506 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 209.80 | DSCR Loan |
| XXXX | XXXX | 305062510 | XXXX | Note Date | notePage | XXXX | XXXX | per Note |
| XXXX | XXXX | 305062510 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per CD |
| XXXX | XXXX | 305062509 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062518 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062518 | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | Per Appraisal Report |
| XXXX | XXXX | 305062484 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305062484 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 0 | 1023.50 | dscr - no dti |
| XXXX | XXXX | 305062569 | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062569 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | per app |
| XXXX | XXXX | 305062569 | XXXX | Property Type | propertyValuationPage | 5-10 Unit Multi-Family | Single Family Detached | Per appraisal |
| XXXX | XXXX | 305062461 | XXXX | Note Date | notePage | XXXX | XXXX | PER NOTE DATE. |
| XXXX | XXXX | 305062457 | XXXX | Note Date | notePage | XXXX | XXXX | per note |
| XXXX | XXXX | 305062457 | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | per final cd |
| XXXX | XXXX | 305062083 | XXXX | Borrower 1 Last Name | notePage | XXXX | XXXX | Per Note |
| XXXX | XXXX | 305062083 | XXXX | B1 Credit Report Date | creditLiabilitiesPage | XXXX | XXXX | Tape used the wrong year |
| XXXX | XXXX | 305061794 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | Audit used all available. |
| XXXX | XXXX | 305061794 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 45.64 | 43.51 | Add'l liability extended |
| XXXX | XXXX | 305062013 | XXXX | Total Qualified Assets Available For Reserves | assetPage | XXXX | XXXX | per checking savings available. |
| XXXX | XXXX | 305062013 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | per checking savings available. |
| XXXX | XXXX | 305061801 | XXXX | Originator QM Status | diligenceFinalLookPage | QM: Higher Priced APOR (APOR HP) | Non-QM: Lender documented all ATR UW factors | Non-QM HPML |

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## Exhibit 99.8

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.8**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | XXXX | 304381134 C A | Closed | FCOM1111 | 2024-05-21 13:02 | 2024-06-26 11:04 | Resolved | 1 - Information C A | Compliance | Points & Fees | Late Charge Grace Period is less than 10 days | Resolved-Received a corrected Note signed by borrower. - Due Diligence Vendor-06/26/2024 <br>Open-Late Charge Grace Period is less than 10 days Per Note Late Charge Grace Period is 5 days. - Due Diligence Vendor-05/21/2024 |  | Resolved-Received a corrected Note signed by borrower. - Due Diligence Vendor-06/26/2024<br>| Months Reserves exceed minimum required - Qualifying Total Reserves Number of Months 125.52; Months Required 6<br>Qualifying DTI below maximum allowed - Qualifying Total Debt Income Ratio <20%; Guideline DTI 43%<br>|  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 1715969 |
| XXXX | XXXX | 304381134 C A | Closed | FVAL1039 | 2024-05-24 09:53 | 2024-06-05 17:10 | Resolved | 1 - Information C A | Property | Value | Appraised value unsupported | Resolved-Desk review supporting the appraised value within 10% provided. - Due Diligence Vendor-06/05/2024 <br>Open--CU/LPA score >2.5 desk review is required - Due Diligence Vendor-05/24/2024 |  | Resolved-Desk review supporting the appraised value within 10% provided. - Due Diligence Vendor-06/05/2024<br>| Months Reserves exceed minimum required - Qualifying Total Reserves Number of Months 125.52; Months Required 6<br>Qualifying DTI below maximum allowed - Qualifying Total Debt Income Ratio <20%; Guideline DTI 43%<br>|  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 1733964 |
| XXXX | XXXX | 304674433 D B A | Closed | FCRE7810 | 2025-03-10 07:37 | 2025-03-11 15:50 | Waived | 2 - Non-Material C B | Credit | Title | Title issue | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Approved lender exception with comp factors) - Due Diligence Vendor-03/11/2025 <br>Open-Exception request: The old G/L stated eligible for delayed financing when purchased in cash within 6 mths of the loan app. Follow 3 mth seasoning for cash out- Seeking exception to the new appraised value since now its past 90 days. - Due Diligence Vendor-03/10/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Approved lender exception with comp factors) - Due Diligence Vendor-03/11/2025<br>| Months Reserves exceed minimum required - 3 mths reserves required- Borrower's reserves 104.88 mths <br>Qualifying FICO score is at least 20 points above minimum for program - MIn FICO 600- Borrower's FICO 746 | - 0X30 mortgage history 2 yrs<br> - ratio .4 above minimumm <br> - fico 46 pts above minimum for program |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3567121 |
| XXXX | XXXX | 304674433 D B A | Closed | FCRE7347 | 2025-03-10 07:29 | 2025-03-11 15:49 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Lease Agreement | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Approved lender exception with comp factors) - Due Diligence Vendor-03/11/2025 <br>Open-Exception request: Old guide require lease for all occupied dscr. Seeking exception to use the new guide where a lease is not needed if the actual rent is marked on the appraisal 1007. - Due Diligence Vendor-03/10/2025 |  | Waived-Originator exception granted and in file, waiver applied with comp factors. (Non Mat-Approved lender exception with comp factors) - Due Diligence Vendor-03/11/2025<br>| Months Reserves exceed minimum required - 3 mths reserves required- Borrower's reserves 104.88 mths <br>Qualifying FICO score is at least 20 points above minimum for program - MIn FICO 600- Borrower's FICO 746 | -Credit score 46 pts above minimum<br> - 0X30 mtg history 24+months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3567082 |
| XXXX | XXXX | 304875623 D B A | Closed | FCRE1441 | 2025-06-06 09:00 | 2025-07-23 12:53 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator waiver applied to non material finding with compensating factors. Exception to waive requirement to bring borrower's past due accounts current. - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. - Seller-07/22/2025 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Per guidelines, past due account must be brought current, B1 has past due accounts. - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. - Seller-07/22/2025<br>| Waived-Originator waiver applied to non material finding with compensating factors. Exception to waive requirement to bring borrower's past due accounts current. - Due Diligence Vendor-07/23/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, coborrowers mid score is 785<br>Months Reserves exceed minimum required - 3 month minimum reserves required, borrower has 60.22 documented | LTV is 5% less than guideline maximum<br> Qualifying FICO score is at least 20 points above minimum for program | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4358707 |
| XXXX | XXXX | 304875623 D B A | Closed | FCRE7551 | 2025-06-06 09:01 | 2025-06-17 09:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved-Received divorce decree - Due Diligence Vendor-06/17/2025 <br> Ready for Review-Document Uploaded. please see attached Divorce decree labeled as Judgment.entered.XXXX - Seller-06/12/2025 <br> Open-Missing divorce decree for borrower: title vesting states she is unmarried yet current vesting shows jointly with spouse - Due Diligence Vendor-06/06/2025 | Ready for Review-Document Uploaded. please see attached Divorce decree labeled as Judgment.entered.XXXX - Seller-06/12/2025 | Resolved-Received divorce decree - Due Diligence Vendor-06/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, coborrowers mid score is 785<br>Months Reserves exceed minimum required - 3 month minimum reserves required, borrower has 60.22 documented |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 4358719 |
| XXXX | XXXX | 304875621 D A | Closed | FCOM1352 | 2025-07-18 13:29 | 2025-07-23 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-07/23/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-07/22/2025 <br>Open-Business Purpose Affidavit/Disclosure Missing - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. See attached - Seller-07/22/2025<br>| Resolved-Received Business Purpose Affidavit - Due Diligence Vendor-07/23/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower has 65% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 768 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4871472 |
| XXXX | XXXX | 304875621 D A | Closed | FCRE1158 | 2025-07-18 13:36 | 2025-07-23 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI Policy. - Due Diligence Vendor-07/23/2025 <br> Ready for Review-Document Uploaded. Please see attached policy for the XXXX term which matches the Premium used to qualify. - Seller-07/22/2025 <br> Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing updated HOI annual premium invoice amount to match final HUD/settlement statement - Due Diligence Vendor-07/18/2025 | Ready for Review-Document Uploaded. Please see attached policy for the XXXX/XXXX term which matches the Premium used to qualify. - Seller-07/22/2025 | Resolved-Received HOI Policy. - Due Diligence Vendor-07/23/2025<br>| Qualifying DTI below maximum allowed - Max DTI 50%- Borrower has 65% <br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 768 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 4871672 |
| XXXX | XXXX | 304758097 C B A | Closed | FCRE0140 | 2025-07-23 07:26 | 2025-07-23 08:22 | Waived | 2 - Non-Material C B | Credit | Eligibility | DSCR loan does not meet program guidelines | Waived-Originator exception granted to allow 120% market rents, Non-material waiver applied with comp factors. non-material due to LTV under 75%, high reserves. - Due Diligence Vendor-07/23/2025 <br>Open-Exception in file to allow 120% of 1007 without proof of receipt. - Due Diligence Vendor-07/23/2025 |  | Waived-Originator exception granted to allow 120% market rents, Non-material waiver applied with comp factors. non-material due to LTV under 75%, high reserves. - Due Diligence Vendor-07/23/2025<br>| Months Reserves exceed minimum required - Verified assets of 82.69 months exceeds the minimum required of 0 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO of 687 is higher than the minimum FICO required of 660 | mortgage history 0x30 (REO free/clear)<br> 4 years in primary |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 4915015 |
| XXXX | XXXX | 304875613 C A | Closed | FCRE0075 | 2025-08-06 13:17 | 2025-08-25 15:43 | Resolved | 1 - Information C A | Credit | Eligibility | CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration | Resolved-Received LOE from borrower marked in error. - Due Diligence Vendor-08/25/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025 <br>Open-CoSignor or Guarantor is on debt or a loan not in this application according to the 1003 Declaration. Missing documentation and explanation for the "YES" answers under :Section 5: Declarations" for questions (5a.D1) : Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application; and (5a.F): Are you a co- signer or guarantor on any debt or loan that is not disclosed on this application? - Due Diligence Vendor-08/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/21/2025<br>| Resolved-Received LOE from borrower marked in error. - Due Diligence Vendor-08/25/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 749<br>Months Reserves exceed minimum required - Min reserves 3 mths- Borrower has 117.49 mths in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5078145 |
| XXXX | XXXX | 304875613 C A | Closed | finding-3634 | 2025-08-06 13:57 | 2025-08-08 17:16 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Zero (0%) tolerance fees increased by $XXXX (442 Re-Inspection) without a valid COC in file. However, there is a lender credit on Final Cd 7/22/25 for fee's above legal limit in the amount of $XXXX. Resolved.<br> - Due Diligence Vendor-08/08/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $XXXX (442 Re-Inspection) without a valid COC in file. However, there is a lender credit on Final Cd XXXX for fee's above legal limit in the amount of $XXXX. Resolved. - Due Diligence Vendor-08/06/2025 |  | Resolved------Zero (0%) tolerance fees increased by $XXXX(442 Re-Inspection) without a valid COC in file. However, there is a lender credit on Final Cd XXXX for fee's above legal limit in the amount of $XXXX. Resolved.<br> - Due Diligence Vendor-08/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 680- Borrower's FICO 749<br>Months Reserves exceed minimum required - Min reserves 3 mths- Borrower has 117.49 mths in reserves |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5079007 |
| XXXX | XXXX | 304892636 C B A | Closed | FCRE0099 | 2025-08-19 13:27 | 2025-09-19 16:20 | Resolved | 1 - Information C A | Credit | Eligibility | Discrepancy between Condo Questionnaire and Appraisal | Resolved-Received duplicate appraisal-differences in HOA cert and appraisal are limited and no impact. - Due Diligence Vendor-09/19/2025 <br> Ready for Review-Document Uploaded. Revised appraisal uploaded - Seller-09/18/2025 <br> Counter-Please provide revised documents. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-The difference in unit counts between Condo Cert and Appraisal for completed, units for sale, sold, rented, occupied, etc is not a material eligibility issue. Two possible explanations exist:<br> 1. Project Phase Reporting:<br> It is common for appraisers to reflect the unit count of the specific legal phase or sub-association in which the subject is located, rather than the master association. XXXX acknowledges this, where lenders are required to evaluate the subject's phase and, if applicable, the master project.<br> 2. Appraiser Limitation:<br> Appraisers often rely on public records or limited HOA input, which may not always align with official HOA data. In these cases, lenders are expected to rely on the HOA/condo questionnaire as the authoritative source of project information when conducting project eligibility reviews.<br> Whether the appraisal unit count reflects a sub-phase or is simply inaccurate, it does not impact loan eligibility, especially on a limited review. We appropriately based the project review on the HOA-provided questionnaire (XXX units), which is the required source of truth under XXXX guidance. Therefore, the discrepancy does not rise to a material defect. - Seller-09/15/2025 <br> Open-Provide the Appraisal and Condo Questionnaire with the information on both matching. - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Revised appraisal uploaded - Seller-09/18/2025 <br> Ready for Review-The difference in unit counts between Condo Cert and Appraisal for completed, units for sale, sold, rented, occupied, etc is not a material eligibility issue. Two possible explanations exist:<br> 1. Project Phase Reporting:<br> It is common for appraisers to reflect the unit count of the specific legal phase or sub-association in which the subject is located, rather than the master association. XXXX acknowledges this, where lenders are required to evaluate the subject's phase and, if applicable, the master project.<br> 2. Appraiser Limitation:<br> Appraisers often rely on public records or limited HOA input, which may not always align with official HOA data. In these cases, lenders are expected to rely on the HOA/condo questionnaire as the authoritative source of project information when conducting project eligibility reviews.<br> Whether the appraisal unit count reflects a sub-phase or is simply inaccurate, it does not impact loan eligibility, especially on a limited review. We appropriately based the project review on the HOA-provided questionnaire (XXXX), which is the required source of truth under XXXX guidance. Therefore, the discrepancy does not rise to a material defect. - Seller-09/15/2025 | Resolved-Received duplicate appraisal-differences in HOA cert and appraisal are limited and no impact. - Due Diligence Vendor-09/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 722<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR is 1.001% and min 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5235757 |
| XXXX | XXXX | 304892636 C B A | Closed | FCRE0136 | 2025-08-19 13:26 | 2025-08-21 14:48 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Underwriter Attestation | Resolved-Received UW Attestation. - Due Diligence Vendor-08/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/19/2025 <br>Open-Missing Underwriter Attestation - Due Diligence Vendor-08/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/19/2025<br>| Resolved-Received UW Attestation. - Due Diligence Vendor-08/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 722<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR is 1.001% and min 0 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5235733 |
| XXXX | XXXX | 304892636 C B A | Closed | FCRE1441 | 2025-08-19 13:02 | 2025-08-19 14:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow collection to remain open, Non-material waiver applied with comp factors. non-material due to old tradelines non title liens. - Due Diligence Vendor-08/19/2025 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Exception request: Seeking exception to proceeds without paying off collection accounts since they are student loans 6 yrs old and not title impacting. Confirm that these are the same as charge off accounts on credit. - Due Diligence Vendor-08/19/2025 |  | Waived-Originator exception granted to allow collection to remain open, Non-material waiver applied with comp factors. non-material due to old tradelines non title liens. - Due Diligence Vendor-08/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 722<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less--- Borrower's DSCR is 1.001% and min 0 | - FICO 20+ points above minimum<br> - Mortgage history 0x30 24 months |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 5235209 |
| XXXX | XXXX | 304778045 C B A | Closed | FCRE3333 | 2025-08-20 07:16 | 2025-08-20 08:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Subject property was listed for sale within a time period not allowed by guidelines | Waived-Originator exception granted to allow listed property. Non-material waiver applied with comp factors. Deemed non-material due to loan has prepay penalty. - Due Diligence Vendor-08/20/2025 <br>Open-Subject property was listed for sale within a time period not allowed per guidelines . Properties listed for sale by current owner within 3 months prior to application must be removed from listing at least one month prior to application. Subject was still listed 1 month prior to application. <br> - Due Diligence Vendor-08/20/2025 |  | Waived-Originator exception granted to allow listed property. Non-material waiver applied with comp factors. Deemed non-material due to loan has prepay penalty. - Due Diligence Vendor-08/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 766 and minimum allowed is 700<br>LTV is less than guideline maximum - LTV is 60.48% and max allowed is 75% | -Loan to Value 10% or more under requirement<br> - Fico 20 points or more above requirement<br> - Reserves 12+ months more than required |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5244734 |
| XXXX | XXXX | 304817032 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304817006 D A | Closed | FPRO1253 | 2025-08-26 09:29 | 2025-08-27 16:27 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received secondary valuation. - Due Diligence Vendor-08/27/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025 <br>Open-missing secondary valuation - Due Diligence Vendor-08/26/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-08/26/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-08/27/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .75, borrowers DSCR is 1.002<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 706 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5315831 |
| XXXX | XXXX | 304817035 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304813411 C A | Closed | FCRE9501 | 2025-08-20 14:06 | 2025-08-28 11:39 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received final settlement statement for refi of another REO-supporting funds for closing and reserves. - Due Diligence Vendor-08/28/2025 <br> Ready for Review-Document Uploaded. Please see the attached final CD from the refinance to source the required cash to close. - Seller-08/26/2025 <br> Open-Total Qualified Assets Post-Close amount is '$XXXX'. Assets are Insufficient. No assets were noted. Please note that assets are not yet finalized. Additional information and/or documentation may be required. - Due Diligence Vendor-08/20/2025 | Ready for Review-Document Uploaded. Please see the attached final CD from the refinance to source the required cash to close. - Seller-08/26/2025<br>| Resolved-Received final settlement statement for refi of another REO-supporting funds for closing and reserves. - Due Diligence Vendor-08/28/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - 1.179<br>Qualifying FICO score is at least 20 points above minimum for program - 740 vs. min. FICO 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5253071 |
| XXXX | XXXX | 304819835 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304825212 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304825200 C B A | Closed | FVAL5524 | 2025-09-04 14:13 | 2025-09-17 13:27 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Property | Resolved-Per the guidelines, properties less than 500 square feet are ineligible, subject is a 2 unit property with a total square footage of XXXX. property meets guideline requirement. - Due Diligence Vendor-09/17/2025 <br> Ready for Review-Disagree, not a valid finding due to Guideline does not state a "portion of the property" cannot be less than 500 square feet of living space, however guide does not allow for the "Property" and the subject property has a total of 1089 square feet of living area. - Seller-09/13/2025 <br> Counter-Guidelines state properties with less than 500 square feet of living space. Unit two has < 500 square fee of living space. - Due Diligence Vendor-09/08/2025 <br> Ready for Review-We respectfully disagree. The DSCR guidelines indicate properties less than 500 sq. ft., not each unit; the total living space for the property is over 500 sq ft. - Seller-09/04/2025 <br> Open-Second unit only 474 sq ft does not meet the 500 sq ft requirement. - Due Diligence Vendor-09/04/2025 | Ready for Review-Disagree, not a valid finding due to Guideline does not state a "portion of the property" cannot be less than 500 square feet of living space, however guide does not allow for the "Property" and the subject property has a total of XXXX square feet of living area. - Seller-09/13/2025 <br> Ready for Review-We respectfully disagree. The DSCR guidelines indicate properties less than 500 sq. ft., not each unit; the total living space for the property is over 500 sq ft. - Seller-09/04/2025 | Resolved-Per the guidelines, properties less than 500 square feet are ineligible, subject is a 2 unit property with a total square footage of 1,089. property meets guideline requirement. - Due Diligence Vendor-09/17/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 77.03m.<br>Credit history exceeds minimum required - Lender minimum credit history 12m, borrower has credit of 0X30 going back to 2018. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5414409 |
| XXXX | XXXX | 304825200 C B A | Closed | FPRO0023 | 2025-09-04 13:09 | 2025-09-04 14:36 | Waived | 2 - Non-Material C B | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Waived-Originator exception granted to allow secondary valuation over 10% . Non-material waiver applied with comp factors. Deemed non-material due to lender closed loan at the lower desk review value. - Due Diligence Vendor-09/04/2025 <br>Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-26.23'. Please verify property appraisal data. Desk review and AVM both exceed 10% of appraised value. (Guides require a field review or second appraisal when AVM or enhanced desk review reflects a value more than 10% below appraised value). - Due Diligence Vendor-09/04/2025 |  | Waived-Originator exception granted to allow secondary valuation over 10% . Non-material waiver applied with comp factors. Deemed non-material due to lender closed loan at the lower desk review value. - Due Diligence Vendor-09/04/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 77.03m.<br>Credit history exceeds minimum required - Lender minimum credit history 12m, borrower has credit of 0X30 going back to 2018. | 1. Reserves 12+m above minimum required<br> 2. 4+ years in primary residence<br> 3. 0X30X24<br> 4. 24+month credit history exceeds minimum required.<br>|  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 5412978 |
| XXXX | XXXX | 304875587 C A | Closed | FCRE5790 | 2025-09-11 12:58 | 2025-09-16 16:48 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Gap Report. - Due Diligence Vendor-09/16/2025 <br> Ready for Review-Document Uploaded. Please see attached, XXXX was missed at time of initial packet upload - Seller-09/12/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 11 days old - Due Diligence Vendor-09/11/2025 | Ready for Review-Document Uploaded. Please see attached, XXXX was missed at time of initial packet upload - Seller-09/12/2025 | Resolved-Received Gap Report. - Due Diligence Vendor-09/16/2025<br>| Months Reserves exceed minimum required - 3 months minimum reserve requirement, borrower has 30.44 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 720 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5503420 |
| XXXX | XXXX | 304813580 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875593 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304825171 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875592 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304856818 D A | Closed | FPRO1242 | 2025-10-06 09:08 | 2026-04-15 13:28 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received secondary valuation. - Due Diligence Vendor-10/13/2025 <br>Ready for Review-Document Uploaded. Please see BPO valuation - Seller-10/09/2025 <br>Open-Appraisal is Missing Missing secondary valuation. - Due Diligence Vendor-10/06/2025 | Ready for Review-Document Uploaded. Please see BPO valuation - Seller-10/09/2025<br>| Resolved-Received secondary valuation. - Due Diligence Vendor-10/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 801<br>Months Reserves exceed minimum required - 64 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5781285 |
| XXXX | XXXX | 304856807 C A | Closed | FCRE1160 | 2025-10-03 13:27 | 2025-10-13 14:16 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Received policy with the corrected expiration date. - Due Diligence Vendor-10/13/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/09/2025 <br> Open-Hazard Insurance Expiration Date of XXXX is prior to or equal to the Note Date of XXXX Provide insurance statement with accurate to and from dates. Current dates on statement in file show XXXX - XXXX. - Due Diligence Vendor-10/03/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/09/2025<br>| Resolved-Received policy with the corrected expiration date. - Due Diligence Vendor-10/13/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 6m PITIA, borrower reserves 65.54m.<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 720, borrower FICO 801 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5769437 |
| XXXX | XXXX | 304875606 D B A | Closed | FCRE1442 | 2025-10-09 21:25 | 2025-11-19 14:21 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Received updated bank statement. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets XXXX - Seller-11/18/2025 <br> Counter-Employment/Income guidelines provided. Per 12.1 of the guidelines Asset Documents/bank Statement may not be more than 120 days old at closing, the date the Note is signed.<br> - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. please see attached NON QM guide for business assets: Business assets docs are to be dated within 30 days of the application date XXXX, XXXX acct XXXX is dated XXXX - Seller-10/10/2025 <br> Open-Asset 1 Expired Bank statements are over 120 days from closing which exceeds the max. allowed per guidelines. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets XXXX - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. please see attached NON QM guide for business assets: Business assets docs are to be dated within 30 days of the application date XXXX, XXXX acct XXXX is dated XXXX - Seller-10/10/2025 | Resolved-Received updated bank statement. - Due Diligence Vendor-11/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5846613 |
| XXXX | XXXX | 304875606 D B A | Closed | FPRO1255 | 2025-10-09 20:43 | 2025-10-20 14:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/17/2025 <br>Counter-Condo Documentation provided, please provide the HOA questionnaire. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Please see attached HOA docs - Seller-10/10/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire for subject property. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached HOA docs - Seller-10/10/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/20/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5846454 |
| XXXX | XXXX | 304875606 D B A | Closed | FCRE7497 | 2025-10-10 13:54 | 2025-10-14 14:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Final CD's - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br> Open-Missing final CD from all new XXXX loans showing on 1003 REO other than subject property.<br> - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025<br>| Resolved-Received Final CD's - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5858168 |
| XXXX | XXXX | 304875606 D B A | Closed | FCRE0108 | 2025-10-09 20:52 | 2025-10-14 14:22 | Waived | 2 - Non-Material C B | Credit | Insurance | Fidelity Coverage not met | Waived-Originator provided a waiver for insufficient Fidelity Coverage, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see the attached exception allow XXXX coverage used to final approve and close the loan - Seller-10/10/2025 <br> Open-Fidelity Coverage not met. Insufficient fidelity "Fidelity Coverage not met. Per XXXX requirements for projects consisting of more than 20 units, fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project is required. XXXX required vs XXXX existing Fidelity coverage. (per exception in other file for this same borrower, exception missing for this file)" - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see the attached exception allow XXXX coverage used to final approve and close the loan - Seller-10/10/2025 | Waived-Originator provided a waiver for insufficient Fidelity Coverage, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months | Reserves 3+ months above minimum required<br> 5+ years verified employment history exceeds guidelines | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 5846493 |
| XXXX | XXXX | 304875608 D B A | Closed | FCRE1442 | 2025-10-08 09:36 | 2025-11-19 13:53 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Received updated bank statements - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets XXXX - Seller-11/18/2025 <br> Counter-Employment/Income guidelines provided. Per 12.1 of the guidelines Asset Documents/bank Statement may not be more than 120 days old at closing, the date the Note is signed. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached NON QM guide for business assets: Business assets docs are to be dated within 30 days of the application date XXXX, XXXX acct XXXX is dated XXXX - Seller-10/10/2025 <br> Open-Asset 1 Expired Bank statement are 122 days from note date - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets XXXX - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached NON QM guide for business assets: Business assets docs are to be dated within 30 days of the application date XXXX, XXXX acct XXXX is dated XXXX - Seller-10/10/2025 | Resolved-Received updated bank statements - Due Diligence Vendor-11/19/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 700<br>Verified employment history exceeds guidelines - 25+ years same business<br>Months Reserves exceed minimum required - 127 months > 3 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5818326 |
| XXXX | XXXX | 304875608 D B A | Closed | FPRO1255 | 2025-10-08 09:07 | 2025-10-17 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/17/2025 <br>Ready for Review-Document Uploaded. See attached - Seller-10/16/2025 <br>Counter-Received Condo Documentation, however we are missing the Questionnaire. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Please see attached HOA docs - Seller-10/10/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire for subject project. Must meet guidelines - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. See attached - Seller-10/16/2025 <br>Ready for Review-Document Uploaded. Please see attached HOA docs - Seller-10/10/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/17/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 700<br>Verified employment history exceeds guidelines - 25+ years same business<br>Months Reserves exceed minimum required - 127 months > 3 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5817838 |
| XXXX | XXXX | 304875608 D B A | Closed | FCRE0108 | 2025-10-08 13:34 | 2025-10-14 14:17 | Waived | 2 - Non-Material C B | Credit | Insurance | Fidelity Coverage not met | Waived-Originator provided a waiver for insufficient Fidelity Coverage, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see the attached exception allow XXXX coverage used to final approve and close the loan - Seller-10/10/2025 <br> Open-Fidelity Coverage not met. Per XXXX requirements for projects consisting of more than 20 units, fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project is required. XXXX required vsXXXX existing Fidelity coverage. (per exception in other file for this same borrower, exception missing for this file)-Project has XXXX in reserves for XXXX budget - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see the attached exception allow XXXX coverage used to final approve and close the loan - Seller-10/10/2025 | Waived-Originator provided a waiver for insufficient Fidelity Coverage, applied to non material finding with comp factors - Due Diligence Vendor-10/14/2025<br>| On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 700<br>Verified employment history exceeds guidelines - 25+ years same business<br>Months Reserves exceed minimum required - 127 months > 3 required | Reserves 3+ months above minimum required<br> 5+ years verified employment history exceeds guidelines | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 5824086 |
| XXXX | XXXX | 304875607 D B A | Closed | FCRE1442 | 2025-10-09 23:11 | 2025-11-19 14:23 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Received updated bank statement. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets XXXX - Seller-11/18/2025 <br> Counter-Employment/Income guidelines provided. Per 12.1 of the guidelines Asset Documents/bank Statement may not be more than 120 days old at closing, the date the Note is signed. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. please see attached NON QM guide for business assets: Business assets docs are to be dated within 30 days of the application date XXXX, XXXX acct XXXX is dated XXXX - Seller-10/10/2025 <br> Open-Asset 1 Expired Bank statements are over 120 days from note which exceeds the max. allowed per guidelines. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets XXXX - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. please see attached NON QM guide for business assets: Business assets docs are to be dated within 30 days of the application date XXXX, XXXX acct XXXX is dated XXXX - Seller-10/10/2025 | Resolved-Received updated bank statement. - Due Diligence Vendor-11/19/2025<br>| Months Reserves exceed minimum required - 108 months > 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>Verified employment history exceeds guidelines - 20+ years verified<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5847441 |
| XXXX | XXXX | 304875607 D B A | Closed | FCRE7497 | 2025-10-10 13:55 | 2025-10-23 14:33 | 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, we are able to reconcile the CD's. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-please escalate this last request for manager review. thank you - Seller-10/21/2025 <br> Counter-For clarification-missing unit numbers for 2 cds XXXX - Due Diligence Vendor-10/20/2025 <br> Ready for Review-please clear, per your comments Received Final CD's<br> - Seller-10/17/2025 <br> Counter-Received Final CD's - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br> Open-Missing final CD from all new XXXX loans showing on 1003 REO other than subject property.<br> - Due Diligence Vendor-10/10/2025 | Ready for Review-please escalate this last request for manager review. thank you - Seller-10/21/2025 <br>Ready for Review-please clear, per your comments Received Final CD's<br> - Seller-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025<br>| Resolved-Upon further review, we are able to reconcile the CD's. - Due Diligence Vendor-10/23/2025<br>| Months Reserves exceed minimum required - 108 months > 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>Verified employment history exceeds guidelines - 20+ years verified<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5858185 |
| XXXX | XXXX | 304875607 D B A | Closed | FPRO1255 | 2025-10-09 22:40 | 2025-10-20 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/17/2025 <br>Counter-Condo Documentation provided, please provide the HOA questionnaire. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire for subject project. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 108 months > 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>Verified employment history exceeds guidelines - 20+ years verified<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5847281 |
| XXXX | XXXX | 304875607 D B A | Closed | FPRO1242 | 2025-10-09 22:40 | 2025-10-20 14:09 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal. - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. - Seller-10/17/2025 <br> Counter-Appraisal for XXXX provided, please provide the Appraisal for the subject. - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br> Open-Appraisal is Missing Missing appraisal report for subject property. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. - Seller-10/17/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025<br>| Resolved-Received appraisal. - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 108 months > 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>Verified employment history exceeds guidelines - 20+ years verified<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5847280 |
| XXXX | XXXX | 304875607 D B A | Closed | FCRE0108 | 2025-10-09 22:47 | 2025-10-10 09:13 | Waived | 2 - Non-Material C B | Credit | Insurance | Fidelity Coverage not met | Waived-Originator exception granted to allow short fidelity coverage . Non-material waiver applied with comp factors. Deemed non-material due to over $XXXX in reserves allocated in budget. - Due Diligence Vendor-10/10/2025 <br> Open-Fidelity Coverage not met. Fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project is required. XXXX required vs XXXX existing Fidelity coverage. - Due Diligence Vendor-10/10/2025 |  | Waived-Originator exception granted to allow short fidelity coverage . Non-material waiver applied with comp factors. Deemed non-material due to over $XXXX in reserves allocated in budget. - Due Diligence Vendor-10/10/2025 | Months Reserves exceed minimum required - 108 months > 3 required<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>Verified employment history exceeds guidelines - 20+ years verified<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months | Reserves 3+ months over required<br> Employment verified 5+ years |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 5847291 |
| XXXX | XXXX | 304875609 D B A | Closed | FCRE1442 | 2025-10-09 08:52 | 2025-11-19 14:17 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Received updated bank statement. - Due Diligence Vendor-11/19/2025 <br> Ready for Review-Document Uploaded. Please see Updated with XXXX Verified assets XXXX - Seller-11/18/2025 <br> Counter-Employment/Income guidelines provided. Per 12.1 of the guidelines Asset Documents/bank Statement may not be more than 120 days old at closing, the date the Note is signed.<br> - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached NON QM guide for business assets: Business assets docs are to be dated within 30 days of the application date XXXX, XXXX acct XXXX is dated XXXX - Seller-10/10/2025 <br> Open-Asset 1 Expired Bank statements are 122 days old - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see Updated with XXXX XXXX Verified assets XXXX - Seller-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached NON QM guide for business assets: Business assets docs are to be dated within 30 days of the application date XXXX, XXXX acct XXXX is dated XXXX - Seller-10/10/2025 | Resolved-Received updated bank statement. - Due Diligence Vendor-11/19/2025<br>| Verified employment history exceeds guidelines - 20+ years verified<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>Months Reserves exceed minimum required - 117 months > 3 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5834651 |
| XXXX | XXXX | 304875609 D B A | Closed | FPRO1255 | 2025-10-09 08:19 | 2025-10-20 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | HOA Questionnaire Document is Missing | Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/20/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/17/2025 <br>Counter-Received HOA documentation. Please provide the HOA questionnaire. - Due Diligence Vendor-10/14/2025 <br>Ready for Review-Document Uploaded. Pleased see attached - Seller-10/10/2025 <br>Open-Subject Property is part of an HOA but the HOA Questionnaire Document is Missing. Missing condo questionnaire for subject project - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/17/2025 <br>Ready for Review-Document Uploaded. Pleased see attached - Seller-10/10/2025<br>| Resolved-Received HOA questionnaire. - Due Diligence Vendor-10/20/2025<br>| Verified employment history exceeds guidelines - 20+ years verified<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>Months Reserves exceed minimum required - 117 months > 3 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5834262 |
| XXXX | XXXX | 304875609 D B A | Closed | FCRE7497 | 2025-10-10 14:00 | 2025-10-14 15:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Final CD's - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025 <br> Open-Missing final CD from all new XXXX loans showing on 1003 REO other than subject property.<br> - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/10/2025<br>| Resolved-Received Final CD's - Due Diligence Vendor-10/14/2025<br>| Verified employment history exceeds guidelines - 20+ years verified<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>Months Reserves exceed minimum required - 117 months > 3 required |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5858307 |
| XXXX | XXXX | 304875609 D B A | Closed | FCRE0108 | 2025-10-09 08:33 | 2025-10-14 15:11 | Waived | 2 - Non-Material C B | Credit | Insurance | Fidelity Coverage not met | Waived-Originator provided a waiver for insufficient Fidelity Coverage, applied to non material finding with comp factors<br> - Due Diligence Vendor-10/14/2025 <br> Ready for Review-Document Uploaded. Please see the attached exception used to final approve and close the loan - Seller-10/10/2025 <br> Open-Fidelity Coverage not met. Fidelity insurance coverage equaling at least the sum of three months of assessments on all units in the project is required. XXXX required vs XXXX existing Fidelity coverage. Over XXXX projected for reserves in XXXX budget (per exception in other file for this same borrower, exception missing for this file)" - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see the attached exception used to final approve and close the loan - Seller-10/10/2025<br>| Waived-Originator provided a waiver for insufficient Fidelity Coverage, applied to non material finding with comp factors<br> - Due Diligence Vendor-10/14/2025<br>| Verified employment history exceeds guidelines - 20+ years verified<br>On time mortgage history exceeds guideline requirement - Credit report reflects on time mortgage history for last 71 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 747 which exceeds the minimum of 680<br>Months Reserves exceed minimum required - 117 months > 3 required | Reserves 3+ months above minimum required<br> 5+ years verified employment history exceeds guidelines | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 5834416 |
| XXXX | XXXX | 304856825 D A | Closed | FPRO1242 | 2025-10-08 13:18 | 2026-04-15 11:34 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received the complete appraisal. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/13/2025 <br>Open-Appraisal is Missing - Due Diligence Vendor-10/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/13/2025<br>| Resolved-Received the complete appraisal. - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 749<br>Months Reserves exceed minimum required - 6 month reserves required, borrower has 440.52 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5823797 |
| XXXX | XXXX | 304856825 D A | Closed | FCRE1118 | 2025-10-07 13:19 | 2025-11-10 14:50 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-The name of the borrower on the note and the mortgage do not have to match. - Due Diligence Vendor-11/10/2025 <br>Ready for Review-We respectfully disagree. A Note revision is not required to add the borrower's middle initial as it is reflected on their AKA. - Seller-11/07/2025 <br>Open-Borrower 1 Signature does not match Note Borr 1 signature does not match NOTE - Mortgage reflects borrower's middle initial. Note does not. - Due Diligence Vendor-10/08/2025 | Ready for Review-We respectfully disagree. A Note revision is not required to add the borrower's middle initial as it is reflected on their AKA. - Seller-11/07/2025<br>| Resolved-The name of the borrower on the note and the mortgage do not have to match. - Due Diligence Vendor-11/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 749<br>Months Reserves exceed minimum required - 6 month reserves required, borrower has 440.52 documented |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5807355 |
| XXXX | XXXX | 304856825 D A | Closed | FCRE1193 | 2025-10-22 17:17 | 2025-10-30 14:47 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-REO negative income was updated and cleared the DTI. - Due Diligence Vendor-10/30/2025 <br>Open-Audited DTI of 224.5% exceeds Guideline DTI of 50% \*\*New\*\* based on the REO documents received the borrowers DTI is 224.50% which exceeds the maximum allowed of 50%. - Due Diligence Vendor-10/22/2025 |  | Resolved-REO negative income was updated and cleared the DTI. - Due Diligence Vendor-10/30/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 749<br>Months Reserves exceed minimum required - 6 month reserves required, borrower has 440.52 documented |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5979231 |
| XXXX | XXXX | 304856825 D A | Closed | FCRE7497 | 2025-10-09 07:22 | 2025-10-16 17:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received all required documentation for all investment properties owned. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/13/2025 <br>Open-Missing PITIA for 3c-3ap - Due Diligence Vendor-10/09/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/13/2025<br>| Resolved-Received all required documentation for all investment properties owned. - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 749<br>Months Reserves exceed minimum required - 6 month reserves required, borrower has 440.52 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5833709 |
| XXXX | XXXX | 304856825 D A | Closed | FCRE0177 | 2025-10-09 09:21 | 2025-10-16 16:32 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-All required documentation provided for all rental properties. - Due Diligence Vendor-10/16/2025 <br>Ready for Review-Finding comments indicate "Not required. Not using rental income. not a DSCR". Please clarify if this is a valid finding or not. - Seller-10/13/2025 <br>Open-Missing Third Party Market Rent Source Not required. Not using rental income. not a DSCR - Due Diligence Vendor-10/09/2025 | Ready for Review-Finding comments indicate "Not required. Not using rental income. not a DSCR". Please clarify if this is a valid finding or not. - Seller-10/13/2025<br>| Resolved-All required documentation provided for all rental properties. - Due Diligence Vendor-10/16/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660, borrowers mid score is 749<br>Months Reserves exceed minimum required - 6 month reserves required, borrower has 440.52 documented |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5835178 |
| XXXX | XXXX | 304856822 D A C | Closed | FCRE1510 | 2025-10-23 10:09 | 2025-11-03 14:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-11/03/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/30/2025 <br>Counter-Received security instrument--missing legal description Exhibit A within chain. - Due Diligence Vendor-10/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/28/2025 <br>Counter-Received signature pages and notary-missing legal description Exhibit A within chain. - Due Diligence Vendor-10/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. DOT is missing signature page as well as legal description - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/30/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/28/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-11/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 749<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5987270 |
| XXXX | XXXX | 304856822 D A C | Closed | FPRO1242 | 2025-10-23 10:32 | 2025-10-29 08:51 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025 <br>Open-Appraisal is Missing No Appraisal in uploaded documents - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025<br>| Resolved-Received appraisal - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 749<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 5987715 |
| XXXX | XXXX | 304875615 D A | Closed | FCRE1152 | 2025-10-24 08:03 | 2025-11-13 12:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Tax calculation provided. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Please note that this property is new construction and the Total Tax Rate for the area was used to determine the property tax payment. Payment was calculated using the Tax Rate (XXXX) X the Purchase Price (XXXX) = XXXX. Please clear this item since the Tax amount was calculated using the correct Tax Rate for the area. - Seller-11/12/2025 <br> Counter-Review does not have property tax cert nor calculations for subject property. Please provide. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-UW tax calculator was previously provided. Please see uploaded documents. - Seller-11/07/2025 <br> Counter-Property Detail Report does not reflect the taxes. Please provide the UW tax calculation. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Please see attached property profile to explain the reason the UW used the previously attached tax rate calculation. - Seller-11/05/2025 <br> Counter-Received property tax cert for XXXX-provide for subject property. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025 <br> Open-Missing Evidence of Property Tax Title indicates taxes for the entire plat, no tax cert in file - Due Diligence Vendor-10/24/2025 | Ready for Review-Please note that this property is new construction and the Total Tax Rate for the area was used to determine the property tax payment. Payment was calculated using the Tax Rate (XXXX) X the Purchase Price (XXXX) = XXXX. Please clear this item since the Tax amount was calculated using the correct Tax Rate for the area. - Seller-11/12/2025 <br> Ready for Review-UW tax calculator was previously provided. Please see uploaded documents. - Seller-11/07/2025 <br> Ready for Review-Document Uploaded. Please see attached property profile to explain the reason the UW used the previously attached tax rate calculation. - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025 | Resolved-Tax calculation provided. - Due Diligence Vendor-11/13/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 749<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6001883 |
| XXXX | XXXX | 304875615 D A | Closed | FPRO1242 | 2025-10-24 08:05 | 2025-10-29 14:54 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received appraisal - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Please see attached. - Seller-10/27/2025 <br>Open-Appraisal is Missing Not found in upload - Due Diligence Vendor-10/24/2025 | Ready for Review-Please see attached. - Seller-10/27/2025<br>| Resolved-Received appraisal - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 749<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6001908 |
| XXXX | XXXX | 304875615 D A | Closed | FCRE1510 | 2025-10-24 07:56 | 2025-10-29 14:44 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing all pages of DOT and Legal Description - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 749<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6001821 |
| XXXX | XXXX | 304875614 D A | Closed | FCRE1152 | 2025-10-24 12:52 | 2025-10-29 14:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received Evidence of Property Tax - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025 <br>Open-Missing Evidence of Property Tax Taxes show on Title are for entire plat, no tax search/cert in file - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/27/2025<br>| Resolved-Received Evidence of Property Tax - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680, borrowers mid score is 749<br>LTV is less than guideline maximum - Max LTV is 80%, borrowers LTV is 75% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6008035 |
| XXXX | XXXX | 304875559 C A | Closed | FCRE0044 | 2025-10-10 14:48 | 2025-10-15 13:40 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-10/15/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/13/2025 <br>Open-LOX for credit inquiries is missing. Missing Letter of Explanation for the inquiries. - Due Diligence Vendor-10/10/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/13/2025<br>| Resolved-Received LOX for credit inquiries. - Due Diligence Vendor-10/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FiCO 700--- Borrower's FICO 745<br>LTV is less than guideline maximum - Max LTV 75% --- Borrower's LTV 51.47% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5859313 |
| XXXX | XXXX | 304875604 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875529 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875435 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875547 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875471 D A | Closed | FCRE6019 | 2025-10-16 06:33 | 2025-10-20 15:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN - Due Diligence Vendor-10/20/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 278 and attached herein. - Seller-10/17/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing Citizenship documents (ITIN borrower) - Due Diligence Vendor-10/16/2025 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 278 and attached herein. - Seller-10/17/2025<br>| Resolved-Received ITIN - Due Diligence Vendor-10/20/2025<br>| Months Reserves exceed minimum required - 77.45 mths reserves; 0 mths required.<br>DSCR % greater than 1.20 - DSCR 1.384 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5913091 |
| XXXX | XXXX | 304875532 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304875502 D A | Closed | FCRE6019 | 2025-10-17 17:19 | 2025-10-21 13:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received ITIN - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/20/2025 <br>Open-Borrower Citizenship Documentation Is Missing Country of origin is required. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/20/2025<br>| Resolved-Received ITIN - Due Diligence Vendor-10/21/2025<br>| Months Reserves exceed minimum required - Borrower's assets from the refinance total 24 months reserves, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual FICO score is 738<br>DSCR % greater than 1.20 - DSCR % is 1.216, minimum required is 1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5937803 |
| XXXX | XXXX | 304875502 D A | Closed | FCRE1510 | 2025-10-17 16:30 | 2025-10-21 13:04 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/21/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/20/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description missing for recording purposes. - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/20/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/21/2025<br>| Months Reserves exceed minimum required - Borrower's assets from the refinance total 24 months reserves, no reserves required.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO score is 700 - actual FICO score is 738<br>DSCR % greater than 1.20 - DSCR % is 1.216, minimum required is 1 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5937012 |
| XXXX | XXXX | 304875536 C A | Closed | FCRE1510 | 2025-10-20 17:12 | 2025-11-07 09:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Please see attached DOT with 2nd witness signature. - Seller-11/05/2025 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing 2nd witness signature required for XXXX County - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please see attached DOT with 2nd witness signature. - Seller-11/05/2025<br>| Resolved-Received complete security instrument. - Due Diligence Vendor-11/07/2025<br>| LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 65%.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 36.31% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5951499 |
| XXXX | XXXX | 304875536 C A | Closed | FCRE1148 | 2025-10-20 14:29 | 2025-10-30 14:19 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. Please see attached Title commitment showing correct policy amount of XXXX. Please clear this finding. - Seller-10/28/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please see attached Title commitment showing correct policy amount of XXXX. Please clear this finding. - Seller-10/28/2025 | Resolved-Received updated preliminary title reflecting sufficient coverage. - Due Diligence Vendor-10/30/2025<br>| LTV is less than guideline maximum - Lender max LTV 80%, subject LTV 65%.<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 36.31% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5949538 |
| XXXX | XXXX | 304875472 C A | Closed | FCRE5790 | 2025-10-22 07:35 | 2025-10-27 13:46 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received Undisclosed Debt Verification - Due Diligence Vendor-10/27/2025 <br> Ready for Review-The DV previously uploaded included a screenshot indicating that the UDM was started on XXXX which is within 10 days of closing. Please see previously attached screenshot and final DV and clear the finding accordingly. - Seller-10/23/2025 <br> Counter-Received Fraud Report with UDM dated XXXX-please provide updated UDM report within 10 days of closing or after. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on 1XXXX, which is within 10 days of closing. Please see attached screenshot and final DV. - Seller-10/22/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 31 days old - Due Diligence Vendor-10/22/2025 | Ready for Review-The DV previously uploaded included a screenshot indicating that the UDM was started on XXXX, which is within 10 days of closing. Please see previously attached screenshot and final DV and clear the finding accordingly. - Seller-10/23/2025 <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XXXX, which is within 10 days of closing. Please see attached screenshot and final DV. - Seller-10/22/2025 | Resolved-Received Undisclosed Debt Verification - Due Diligence Vendor-10/27/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 26.55 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5968493 |
| XXXX | XXXX | 304875472 C A | Closed | FCRE1194 | 2025-10-22 07:51 | 2025-10-27 13:41 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received proof of lock date after XXXX. - Due Diligence Vendor-10/27/2025 <br> Ready for Review-Document Uploaded. Please see attached screenshot as evidence of the lock date on 9/26/2025. - Seller-10/23/2025 <br> Counter-Received updated Matrix for consideration-please confirm lock date on or after XXXX for consideration. - Due Diligence Vendor-10/23/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX matrix, which allows LTV of 75% C/O for NOO w/ P&L. - Seller-10/22/2025 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% LTV exceeds matrix limits for cash out - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Please see attached screenshot as evidence of the lock date on XXXX. - Seller-10/23/2025 <br> Ready for Review-Document Uploaded. Please see attached XXXX XXXX matrix, which allows LTV of 75% C/O for NOO w/ P&L. - Seller-10/22/2025 | Resolved-Received proof of lock date after XXXX. - Due Diligence Vendor-10/27/2025 | Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 26.55 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5968664 |
| XXXX | XXXX | 304875472 C A | Closed | FCRE1510 | 2025-10-17 15:46 | 2025-10-23 14:27 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument with signatures, Notary and witness - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/22/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Signatory and Notary Page from DOT - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/22/2025<br>| Resolved-Received complete security instrument with signatures, Notary and witness - Due Diligence Vendor-10/23/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 26.55 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5936192 |
| XXXX | XXXX | 304875472 C A | Closed | FCRE1118 | 2025-10-17 15:48 | 2025-10-23 14:27 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-10/23/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/22/2025 <br>Open-Borrower 1 Signature does not match Note Signature/Notary page is missing from the DOT - Due Diligence Vendor-10/17/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/22/2025<br>| Resolved-Borrower 1 Signature matches Note - Due Diligence Vendor-10/23/2025<br>| Months Reserves exceed minimum required - 6 month minimum reserve requirement, borrower has 26.55 documented<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 700, borrowers mid score is 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5936233 |
| XXXX | XXXX | 304875514 D A | Closed | FCRE5770 | 2025-10-20 15:04 | 2025-10-31 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit supplement. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see attached Credit Supplement for NAF. - Seller-10/30/2025 <br> Counter-XXXX date last active is XXXX - Due Diligence Vendor-10/28/2025 <br> Ready for Review-The credit report delivered with the loan file dated XXXX reports both XXXX and XXXX thru XXXX with no lates in the last 12 months. No additional statements are required. - Seller-10/24/2025 <br> Counter-Received statement for XXXX XXXX reflecting XXXX payment and statement for XXXX dated XXXX showing payment made XXXX. Missing confirmation of XXXX payment. For XXXX-missing XXXX and XXXX payments made (received XXXX statement). Credit supplements or VOMs recommended. - Due Diligence Vendor-10/24/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 77-86 and attached herein. - Seller-10/22/2025 <br> Counter-Received credit report-missing updated rating for both mortgages within 30 days of application date-XXXX Savings dla XXXX and XXXX dla XXXX-application date XXXX - Due Diligence Vendor-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025 <br> Open-Borrower 1 Credit Report is Missing. MISSING - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please see attached Credit Supplement for XXXX. - Seller-10/30/2025 <br> Ready for Review-The credit report delivered with the loan file dated XXXX reports both XXXX and XXXX thru XXXX with no lates in the last 12 months. No additional statements are required. - Seller-10/24/2025 <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page 77-86 and attached herein. - Seller-10/22/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025 | Resolved-Received credit supplement. - Due Diligence Vendor-10/31/2025<br>| LTV is less than guideline maximum - Maximum is 80% LTV - actual is 51.28% LTV<br>Months Reserves exceed minimum required - Required 6 months PITIA reserves - actual is 121.70 months reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5950022 |
| XXXX | XXXX | 304875514 D A | Closed | FCRE5771 | 2025-10-20 15:04 | 2025-10-31 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Received borrower 2 Credit Report. - Due Diligence Vendor-10/22/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025 <br>Open-Borrower 2 Credit Report is Missing. MISSING - Due Diligence Vendor-10/20/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/21/2025<br>| Resolved-Received borrower 2 Credit Report. - Due Diligence Vendor-10/22/2025<br>| LTV is less than guideline maximum - Maximum is 80% LTV - actual is 51.28% LTV<br>Months Reserves exceed minimum required - Required 6 months PITIA reserves - actual is 121.70 months reserves |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5950023 |
| XXXX | XXXX | 304875514 D A | Closed | FCRE1197 | 2025-10-20 15:27 | 2025-10-22 14:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Audited FICO of 768 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-10/22/2025 <br>Ready for Review-The credit reports have been attached to related findings. The qualifying FICO is 768. - Seller-10/21/2025 <br>Open-Audited FICO of is less than Guideline FICO of 700 missing credit report for both - Due Diligence Vendor-10/20/2025 | Ready for Review-The credit reports have been attached to related findings. The qualifying FICO is 768. - Seller-10/21/2025<br>| Resolved-Audited FICO of 768 is greater than or equal to Guideline FICO of 700 - Due Diligence Vendor-10/22/2025<br>| LTV is less than guideline maximum - Maximum is 80% LTV - actual is 51.28% LTV<br>Months Reserves exceed minimum required - Required 6 months PITIA reserves - actual is 121.70 months reserves |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 5950373 |
| XXXX | XXXX | 304875503 D A | Closed | FCOM1352 | 2025-10-22 11:40 | 2025-10-24 14:44 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/24/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/23/2025 <br>Open-The Business Purpose Affidavit Disclosure is Missing Missing the Business Purpose Affidavit that is required on DSCR loans. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/23/2025<br>| Resolved-Received business purpose affidavit. - Due Diligence Vendor-10/24/2025<br>| Months Reserves exceed minimum required - 3.06 months reserves; 0 months reserves required<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 640- Borrower's FICO 738 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 5972972 |
| XXXX | XXXX | 304875390 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 304875486 C A | Closed | finding-3652 | 2025-10-24 08:47 | 2025-10-30 11:55 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-10/30/2025 <br> Ready for Review-Document Uploaded. CURE ADDED BACK TO PCCD - Seller-10/29/2025 <br> Counter------The Lender credit for $XXXX was on the initial CD dated XXXX with the increase in fees for the appraisal. It was not on the 2nd CD dated XXXX or the final CD singed o n XXXX. We need a COC that explains why the Lender Credit was removed or a PCCD refunding this to the borrower. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. See attached, requested documents - Seller-10/28/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Lender credit decreased from $210.00 to $0.00 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. CURE ADDED BACK TO PCCD - Seller-10/29/2025 <br>Ready for Review-Document Uploaded. See attached, requested documents - Seller-10/28/2025<br>| Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-10/30/2025 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 727 <br>Months Reserves exceed minimum required - 0 mths reserves req'd --- Borrower has 65.8 mths in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6002408 |
| XXXX | XXXX | 304875486 C A | Closed | FCRE1510 | 2025-10-24 09:11 | 2025-10-29 13:55 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. Please see attached copy - Seller-10/28/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the subject's Legal Description from the Deed of Trust. - Due Diligence Vendor-10/24/2025 | Ready for Review-Document Uploaded. Please see attached copy - Seller-10/28/2025<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-10/29/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 727 <br>Months Reserves exceed minimum required - 0 mths reserves req'd --- Borrower has 65.8 mths in reserves |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6002712 |
| XXXX | XXXX | 304875399 C A | Closed | FCRE1510 | 2025-10-28 15:37 | 2025-10-31 15:32 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-10/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Legal Description - Due Diligence Vendor-10/28/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-10/29/2025<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - 18.38 mths reserves; 6 mths required.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 730 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6042787 |
| XXXX | XXXX | 304875494 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304892619 D B A | Closed | FCRE7347 | 2025-10-29 18:38 | 2025-11-14 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Originator confirmed income was not used. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the DTI up to 51% DTI - Seller-11/13/2025 <br> Counter-Confirmed XXXX included in theXXXX payments. REO loss is now calculating at XXXX. We are slightly over at 50.27% DTI.<br> - Due Diligence Vendor-11/07/2025 <br> Ready for Review-XXXX taxes and Ins are impounded, the PITIA is XXXX, not XXXX. The revised DTI is 50%. - Seller-11/05/2025 <br> Counter-DTI is now calculating at 51.14% - XXXX total monthly income, XXXX Primary, XXXX subject loss, XXXX other REO loss and XXXX consumer debt.<br> - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to pages 27, 1134-1146 and attached herein. - Seller-11/04/2025 <br> Counter-Review is not able to mirror 1008 received. Negative cash flow reflects XXXX on 1008 received with total monthly debt of XXXX. Review total debtXXXX. (REO differences: XXXX - XXXX; XXXX - XXXX; XXXX - XXXX and qualifying income is the same.) - Due Diligence Vendor-11/04/2025 <br> Ready for Review-We respectfully disagree. The uploaded loan file already included the net Income/loss of -2711.04 in the DTI calculations. The DTI at final approval, as reflected on the 1008 delivered with the loan file, is 49.994% which includes the XXXX. - Seller-10/31/2025 <br> Counter-Received notation subject qualified with full PITIA-ratios exceed 50.00% - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Property A was qualified with Net Income/Loss of XXXX, no rental income. - Seller-10/30/2025 <br> Open-Property A: Provide current lease with verification of XXXX recent rent deposits. - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Please see attached exception allowing the DTI up to 51% DTI - Seller-11/13/2025 <br> Ready for Review-XXXX taxes and Ins are impounded, the PITIA is XXXX, not XXXX. The revised DTI is 50%. - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to pages 27, 1134-1146 and attached herein. - Seller-11/04/2025 <br> Ready for Review-We respectfully disagree. The uploaded loan file already included the net Income/loss of XXXX in the DTI calculations. The DTI at final approval, as reflected on the 1008 delivered with the loan file, is 49.994% which includes theXXXX. - Seller-10/31/2025 <br> Ready for Review-Property A was qualified with Net Income/Loss of XXXX, no rental income. - Seller-10/30/2025 | Resolved-Originator confirmed income was not used. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 40.65<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6060526 |
| XXXX | XXXX | 304892619 D B A | Closed | FCRE1193 | 2025-10-31 15:23 | 2025-11-14 16:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Originator provided a waiver for DTI, applied to non material finding with comp factors - Non-material < 1% variance and < 55%. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Please see attached exception - Seller-11/13/2025 <br> Counter-Confirmed 1XXXX included in the XXXX payments. REO loss is now calculating at XXXX. We are slightly over at 50.27% DTI. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-XXXX taxes and Ins are impounded, the PITIA is XXXX, not XXXX. The revised DTI is 50%. - Seller-11/05/2025 <br> Counter-DTI is now calculating at 51.14% - XXXX total monthly income, XXXX Primary, XXXX subject loss, XXXX other REO loss and XXXX consumer debt. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to pages 27, 1134-1146 and attached herein. - Seller-11/04/2025 <br> Counter-Review is not able to mirror 1008 received. Negative cash flow reflects XXXX on 1008 received with total monthly debt of XXXX. Review total debt XXXX. (REO differences: XXXX - XXXX; XXXX - XXXX; XXXX - XXXX and qualifying income is the same.) - Due Diligence Vendor-11/04/2025 <br> Ready for Review-We respectfully disagree. The uploaded loan file already included the net Income/loss of XXXX in the DTI calculations. The DTI at final approval, as reflected on the 1008 delivered with the loan file, is 49.994% which includes the XXXX. - Seller-10/31/2025 <br> Open-Audited DTI of 53.53% exceeds Guideline DTI of 50% \*NEW\* Received confirmation subject property qualifying with full PITIA-dti 53.53%>50.00% allowed. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Please see attached exception - Seller-11/13/2025 <br> Ready for Review-XXXX taxes and Ins are impounded, the PITIA is XXXX, not XXXX. The revised DTI is 50%. - Seller-11/05/2025 <br> Ready for Review-Document Uploaded. The requested documents were included in the delivered loan file. Please refer to pages 27, 1134-1146 and attached herein. - Seller-11/04/2025 <br> Ready for Review-We respectfully disagree. The uploaded loan file already included the net Income/loss of XXXX in the DTI calculations. The DTI at final approval, as reflected on the 1008 delivered with the loan file, is 49.994% which includes the XXXX. - Seller-10/31/2025 | Waived-Originator provided a waiver for DTI, applied to non material finding with comp factors - Non-material < 1% variance and < 55%. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 40.65<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 752 | 24+ month credit history exceeds minimum required<br> Reserves 3+ months above minimum required. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6087470 |
| XXXX | XXXX | 304892619 D B A | Closed | FCRE1152 | 2025-10-29 18:29 | 2025-10-31 15:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received property tax billing. - Due Diligence Vendor-10/31/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-10/30/2025 <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/30/2025<br>| Resolved-Received property tax billing. - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 40.65<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6060432 |
| XXXX | XXXX | 304892619 D B A | Closed | FCRE0082 | 2025-10-29 18:29 | 2025-10-31 15:17 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Received Deed. - Due Diligence Vendor-10/31/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-10/30/2025 <br> Open-Vested Owner Signature Requirement Not met. Missing deed from XXXX transferring ownership to borrower and LLC<br> - Due Diligence Vendor-10/29/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-10/30/2025<br>| Resolved-Received Deed. - Due Diligence Vendor-10/31/2025<br>| Months Reserves exceed minimum required - Lender minimum reserves 3m PITIA, borrower reserves 40.65<br>Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 700, borrower FICO 752 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6060433 |
| XXXX | XXXX | 304892576 D A | Closed | FCRE7009 | 2025-10-30 09:55 | 2025-11-18 12:58 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI confirming 100% replacement cost. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br> Counter-Review concurs with Flood max of XXXX coverage. HOI-missing confirmation of replacement cost - coverage checklist or email from insurer confirming replacement coverage. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-We respectfully disagree. Flood insurance coverage does not have to match dwelling coverage. Dwelling coverage protects against perils like fire, wind, and theft as Flood coverage specifically covers damage caused by flooding. - Seller-10/30/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Hazard is for XXXX and Flood is for XXXX. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/17/2025 <br>Ready for Review-We respectfully disagree. Flood insurance coverage does not have to match dwelling coverage. Dwelling coverage protects against perils like fire, wind, and theft as Flood coverage specifically covers damage caused by flooding. - Seller-10/30/2025<br>| Resolved-Received HOI confirming 100% replacement cost. - Due Diligence Vendor-11/18/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 43.81 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 743. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6066367 |
| XXXX | XXXX | 304892576 D A | Closed | FCRE8887 | 2025-10-30 10:08 | 2025-11-14 07:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Confirmed the borrower is not on the Note for property 3A, included payment in the ratios utilizing the confirmed HOA dues and the estimated HOI payment. - Due Diligence Vendor-11/14/2025 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached Realtor Printout which shows the Monthly HOA of XXXX. We also note that the HOI was calculated using .35% of the Purchase Price. We note that although the HOI may not be exact, the need to verify the exact policy is not material as the DTI in this transaction is only 3.94%. The missing Dec Page has no affect on the UW Decision. Please clear this finding. - Seller-11/13/2025 <br> Counter-Missing evidence of full TIA on Borrower's Current Primary Residence, as mortgage statement reflects not escrowed, and Insurance and HOA LOX not provided. - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. The delivered loan file included the attached property profile for the XXXX. According to the mortgage statement and Note for the property in question, the borrower is not on the Note. The property was recently purchased for XXXX. Using .35% of the purchase price for the insurance is XXXX/month and the annual taxes per the property profile are XXXX/12= XXXX/month. Although the borrower is not on the Note for this mortgage, the loan was qualified with the mortgage payment and an estimated tax and insurance. Attached please find a revised 1003 and 1008 including the calculated T&I. - Seller-10/30/2025 <br> Open-Missing evidence of full TIA on Borrower's Current Primary Residence, as mortgage statement reflects not escrowed, and Insurance and HOA LOX not provided. - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Document Uploaded. Please see attached Realtor Printout which shows the Monthly HOA of XXXX. We also note that the HOI was calculated using .35% of the Purchase Price. We note that although the HOI may not be exact, the need to verify the exact policy is not material as the DTI in this transaction is only 3.94%. The missing Dec Page has no affect on the UW Decision. Please clear this finding. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. The delivered loan file included the attached property profile for the XXXX. According to the mortgage statement and Note for the property in question, the borrower is not on the Note. The property was recently purchased for XXXX. Using .35% of the purchase price for the insurance is XXXX/month and the annual taxes per the property profile are $XXXX/12= XXXX/month. Although the borrower is not on the Note for this mortgage, the loan was qualified with the mortgage payment and an estimated tax and insurance. Attached please find a revised 1003 and 1008 including the calculated T&I. - Seller-10/30/2025 | Resolved-Confirmed the borrower is not on the Note for property 3A, included payment in the ratios utilizing the confirmed HOA dues and the estimated HOI payment. - Due Diligence Vendor-11/14/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 43.81 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 743. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6066603 |
| XXXX | XXXX | 304892576 D A | Closed | FCRE7497 | 2025-10-30 11:37 | 2025-11-13 17:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Confirmed the borrower is not on the Note for property 3A, included payment in the ratios utilizing the confirmed HOA dues and the estimated HOI payment. - Due Diligence Vendor-11/13/2025 <br> Ready for Review-Document Uploaded. Please see attached Realtor Printout which shows the Monthly HOA of XXXX. We also note that the HOI was calculated using .35% of the Purchase Price. We note that although the HOI may not be exact, the need to verify the exact policy is not material as the DTI in this transaction is only 3.94%. The missing Dec Page has no affect on the UW Decision. Please clear this finding. - Seller-11/13/2025 <br> Counter-Missing evidence of HOI and HOA for REO 3a - Due Diligence Vendor-11/03/2025 <br> Ready for Review-Document Uploaded. The delivered loan file included the attached property profile for the XXXX. According to the mortgage statement and Note for the property in question, the borrower is not on the Note. The property was recently purchased for XXXX. Using .35% of the purchase price for the insurance isXXXX/month and the annual taxes per the property profile are XXXX/12= XXXX. Although the borrower is not on the Note for this mortgage, the loan was qualified with the mortgage payment and an estimated tax and insurance. Attached please find a revised 1003 and 1008 including the calculated T&I. <br> - Seller-10/30/2025 <br> Open-Missing evidence of HOI and HOA for REO 3a - Due Diligence Vendor-10/30/2025 | Ready for Review-Document Uploaded. Please see attached Realtor Printout which shows the Monthly HOA of XXXX. We also note that the HOI was calculated using .35% of the Purchase Price. We note that although the HOI may not be exact, the need to verify the exact policy is not material as the DTI in this transaction is only 3.94%. The missing Dec Page has no affect on the UW Decision. Please clear this finding. - Seller-11/13/2025 <br> Ready for Review-Document Uploaded. The delivered loan file included the attached property profile for the XXXX. According to the mortgage statement and Note for the property in question, the borrower is not on the Note. The property was recently purchased for $XXXX. Using .35% of the purchase price for the insurance is $XXXX/month and the annual taxes per the property profile areXXXX/12= XXXX. Although the borrower is not on the Note for this mortgage, the loan was qualified with the mortgage payment and an estimated tax and insurance. Attached please find a revised 1003 and 1008 including the calculated T&I. <br> - Seller-10/30/2025 | Resolved-Confirmed the borrower is not on the Note for property 3A, included payment in the ratios utilizing the confirmed HOA dues and the estimated HOI payment. - Due Diligence Vendor-11/13/2025<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 43.81 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700; qualifying FICO is 743. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6069672 |
| XXXX | XXXX | 304875422 D A | Closed | FCRE1193 | 2025-10-31 11:49 | 2026-01-08 17:21 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Short term rent was included for the REOs. - Due Diligence Vendor-01/08/2026 <br> Counter-Unable to locate guidelines on how to calculate short term rental income on non-owner occupied properties. The Alt doc guidelines reflect short term for the subject property and departing residences; but are silent on non-owner occupied properties. - Due Diligence Vendor-01/07/2026 <br> Counter-No new document provided. Please open upload provided for review. Unable to determine dates, source, etc of numbers provided. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Documentation to support the rental income used for XXXX, XXXX, XXXX, XXXX, XXXX with calculation worksheets for each, the XXXX for each property, along the revised 1003 and 1008 have been previously uploaded. Please clear the finding. - Seller-12/30/2025 <br> Counter-Received partial ledger. Unable to determine source of noted funds. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/29/2025 <br> Counter-Received XXXX and revised 1003. Provide rental income calculation worksheet support rental income used for XXXX, XXXX, XXXX, XXXX - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached documentation to support rental income used for XXXX, XXXX, XXXX, XXXX along with XXXX, revised income at 50% along with revised 1003 and 1008. - Seller-12/24/2025 <br> Counter-The system has been updated to include the rental income; the DTI is now 62.19%. The income on the 1008 is still XXXX but the borrower only owns 50% of the business so it needs to be half of that figure. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. Please see attached documentation to support rental income used for XXXX along with XXXX, STR analysis, revised 1003 and 1008. - Seller-12/18/2025 <br> Open-Audited DTI of 69.91% exceeds Guideline DTI of 50% Lender calculated income with borrower as 100% owner of the company for which the bank statements were provided. Per the operating agreement and borrower business narrative they are 50% owners. Using lender income would lower DTI to 34% still higher than lender due to audit calculated higher REO losses than what appears on the 1008. - Due Diligence Vendor-10/31/2025 | Ready for Review-Documentation to support the rental income used for XXXX, XXXX, XXXX, XXXX, XXXX with calculation worksheets for each, the XXXX for each property, along the revised 1003 and 1008 have been previously uploaded. Please clear the finding. - Seller-12/30/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/29/2025 <br> Ready for Review-Document Uploaded. Please see attached documentation to support rental income used for XXXX, XXXX, XXXX, XXXX along with XXXX, revised income at 50% along with revised 1003 and 1008. - Seller-12/24/2025 <br> Ready for Review-Document Uploaded. Please see attached documentation to support rental income used for XXXX along with XXXX, STR analysis, revised 1003 and 1008. - Seller-12/18/2025 | Resolved-Short term rent was included for the REOs. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - 65% LTV, program allows to 80%<br>Months Reserves exceed minimum required - 101 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6084005 |
| XXXX | XXXX | 304875422 D A | Closed | FCRE1506 | 2025-10-31 11:15 | 2026-01-08 17:21 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Income was resolved. - Due Diligence Vendor-01/08/2026 <br> Counter-Pending rental income calculations. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Documentation to support the rental income used for XXXX, XXXX, XXXX, XXXX, XXXX with calculation worksheets for each, the XXXX for each property, along the revised 1003 and 1008 have been previously uploaded. Please clear the finding. - Seller-12/30/2025 <br> Counter-Pending rental income calculations. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Please see attached documentation in related finding. - Seller-12/29/2025 <br> Counter-Pending rental income calculations. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Please see attached documentation in related finding. - Seller-12/24/2025 <br> Counter-The system has been updated to include the rental income; the DTI is now 62.19%. The income on the 1008 is still XXXX but the borrower only owns 50% of the business so it needs to be half of that figure. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Please see attached (in related finding) documentation to support rental income used for XXXX along with XXXX, STR analysis, revised 1003 and 1008. - Seller-12/18/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. 1. Lender calculated income with borrower as 100% owner of the company for which the bank statements were provided. Per the operating agreement and borrower business narrative they are 50% owners. Using lender income would lower DTI to 34% still higher than lender due to audit calculated higher REO losses than what appears on the 1008.<br> 2. Page 821 has an incomplete CD for the refinance of a property which is not listed on the 1003. Support for exclusion of this property is required. May need to be added to REO and DTI. - Due Diligence Vendor-10/31/2025 | Ready for Review-Documentation to support the rental income used forXXXX, XXXX, XXXX, XXXX, XXXX with calculation worksheets for each, the XXXX for each property, along the revised 1003 and 1008 have been previously uploaded. Please clear the finding. - Seller-12/30/2025 <br> Ready for Review-Please see attached documentation in related finding. - Seller-12/29/2025 <br> Ready for Review-Please see attached documentation in related finding. - Seller-12/24/2025 <br> Ready for Review-Please see attached (in related finding) documentation to support rental income used for XXXX along with XXXX, STR analysis, revised 1003 and 1008. - Seller-12/18/2025 | Resolved-Income was resolved. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - 65% LTV, program allows to 80%<br>Months Reserves exceed minimum required - 101 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6083295 |
| XXXX | XXXX | 304875422 D A | Closed | FCRE7497 | 2025-10-31 10:54 | 2025-11-07 10:07 | 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, CD appears to be for the subject property. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-This is an invalid finding. The legal description is as follows on title "XXXX and the adjoining XXXX of Lot XXXX (XXXX), in Block XXXX (XXX), of XXXX SECTION, a subdivision inXXXX County, XXXX according to the map or plat thereof, recorded in Volume 998, Page 416 of the Deed Records of XXXX County, XXXX." Please escalate or clear the finding. - Seller-11/05/2025 <br> Counter-CD received on page 821 reflects XXXX--our subject property is XXXX-please confirm. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-This is an invalid finding. The CD referenced from page 821 is an initial CD for the subject property. The delivered loan file included the final CD. Please waive. - Seller-11/04/2025 <br> Open-Page 821 has an incomplete CD for the refinance of a property which is not listed on the 1003. Support for exclusion of this property is required. May need to be added to REO and DTI. - Due Diligence Vendor-10/31/2025 | Ready for Review-This is an invalid finding. The legal description is as follows on title "Lot XXXX and the adjoining XXXX of Lot XXXX (XXXX), in Block XXXX, of XXXX SECTION, a subdivision in XXXX County, XXXX according to the map or plat thereof, recorded in Volume XXXX, Page XXXX of the Deed Records of XXXX County, XXXX." Please escalate or clear the finding. - Seller-11/05/2025 <br> Ready for Review-This is an invalid finding. The CD referenced from page XXXX is an initial CD for the subject property. The delivered loan file included the final CD. Please waive. - Seller-11/04/2025 | Resolved-Upon further review, CD appears to be for the subject property. - Due Diligence Vendor-11/07/2025<br>| LTV is less than guideline maximum - 65% LTV, program allows to 80%<br>Months Reserves exceed minimum required - 101 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6082265 |
| XXXX | XXXX | 304875422 D A | Closed | FPRO1242 | 2025-10-31 10:16 | 2025-11-05 13:56 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received 1004 appraisal. - Due Diligence Vendor-11/05/2025 <br> Ready for Review-Document Uploaded. Please see attached Appraisal Report - XXXX XXXX, XXXX XXXX - Seller-11/04/2025 <br> Open-Appraisal is Missing Appraisal in file is for wrong property. - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Please see attached Appraisal Report - XXXX XXXX, XX XXXX - Seller-11/04/2025 | Resolved-Received 1004 appraisal. - Due Diligence Vendor-11/05/2025<br>| LTV is less than guideline maximum - 65% LTV, program allows to 80%<br>Months Reserves exceed minimum required - 101 months reserves documented, 6 months required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 688 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6081563 |
| XXXX | XXXX | 304875520 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892518 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304892513 C A B | Closed | FCRE0184 | 2025-10-31 11:08 | 2025-11-07 09:23 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Upon further review, the loan file contained all required business purpose documentation. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Please see Business Purpose Affidavit confirming all funds are to be used for business. - Seller-11/05/2025 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Not found in uploaded documents - Due Diligence Vendor-10/31/2025 | Ready for Review-Document Uploaded. Please see Business Purpose Affidavit confirming all funds are to be used for business. - Seller-11/05/2025<br>| Resolved-Upon further review, the loan file contained all required business purpose documentation. - Due Diligence Vendor-11/07/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .80, borrowers DSCR is above 1.0 at 1.075<br>Months Reserves exceed minimum required - 3 month minimum reserve required, borrower has 89.4 documented |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6082532 |
| XXXX | XXXX | 304892513 C A B | Closed | FPRO0022 | 2025-10-31 11:08 | 2025-11-05 13:43 | Resolved | 1 - Information B A | Property | Property | FEMA disaster (Public) after appraisal without a PDI or 1004D | Resolved-The appraisal was completed on after the disaster on XXXX. Disaster end dateXXXX. - Due Diligence Vendor-11/05/2025 <br> Open-FEMA disaster after appraisal without a Public PDI or 1004D. No comments found in appraisal<br> XXXX Severe Storms, Straight-line Winds, Tornadoes, and Flooding (DR-4882-IN)<br> Incident Period: XXXX - XXXX<br> Major Disaster Declaration declared on XXXX - Due Diligence Vendor-10/31/2025 |  | Resolved-The appraisal was completed on after the disaster on XXXX. Disaster end date XXXX. - Due Diligence Vendor-11/05/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Min DSCR is .80, borrowers DSCR is above 1.0 at 1.075<br>Months Reserves exceed minimum required - 3 month minimum reserve required, borrower has 89.4 documented |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6082531 |
| XXXX | XXXX | 304875349 C B A | Closed | FCRE1440 | 2025-10-31 17:38 | 2025-10-31 18:16 | Waived | 2 - Non-Material C B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements First Time Investors must have 12 months primary housing history Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and client has owned home since XXXX - Due Diligence Vendor-11/05/2025 |  | Waived-Housing History Does Not Meet Guideline Requirements First Time Investors must have 12 months primary housing history Originator exception granted and in file. Waiver applied with comp factors. Exception deemed non-material due to strong compensating factors and client has owned home since XXXX- Due Diligence Vendor-11/05/2025 | LTV is less than guideline maximum - LTV 44.66% LTV. Allowed 75%<br>DSCR % greater than 1.20 - DSCR is 1.60. 1.00 was required. | DSCR greater than 1.20<br> LTV 5% or more less than guides<br> Score is 20+points above min required. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6089097 |
| XXXX | XXXX | 304892582 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892631 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892594 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 304892612 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304892621 D A | Closed | FPRO1253 | 2025-11-06 10:26 | 2025-11-18 16:26 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received desk review and confirmation 1st appraisal not acceptable due transfer from without XXX. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Document Uploaded. Please see attached App Report done by XXXX. This appraisal report is a transfer appraisal report and not valid because it was not ordered through XXX. The Appraisal report by XXXX was used because this was run through XXX and it has updated comps. Please clear this finding. - Seller-11/15/2025 <br> Counter-Desk Review provided, however it appears we are missing the Appraisal performed by XXXX with an effective date of XXXX. Once received additional findings may apply. - Due Diligence Vendor-11/07/2025 <br> Ready for Review-Document Uploaded. Please see attached CDA for subject property - XXXX. Please clear this finding. - Seller-11/06/2025 <br> Open--Missing Secondary evaluation. Desk Review is for another Appraisal not in file, CU and LCA scores are both over 2.5. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. Please see attached App Report done by XXXX. This appraisal report is a transfer appraisal report and not valid because it was not ordered through XXX. The Appraisal report by XXXX was used because this was run through XXX and it has updated comps. Please clear this finding. - Seller-11/15/2025 <br> Ready for Review-Document Uploaded. Please see attached CDA for subject property - XXXX. Please clear this finding. - Seller-11/06/2025 | Resolved-Received desk review and confirmation 1st appraisal not acceptable due transfer from without XXX. - Due Diligence Vendor-11/18/2025 | Months Reserves exceed minimum required - Verified assets of 97.7 months exceeds the minimum required of 6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 660 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6153538 |
| XXXX | XXXX | 304892616 C A | Closed | FCRE1509 | 2025-11-06 08:34 | 2025-11-18 14:19 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received all pages of the Note - Due Diligence Vendor-11/18/2025 <br>Ready for Review-Document Uploaded. Please see attached executed, signed and definitely ratified note copy - Seller-11/15/2025 <br>Counter-Received loan agreement-please provide complete ratified Note with any and all addendums. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025 <br>Open-There are Issues Present on the Note that must be addressed. Missing the complete Note including but not limited to the signature page. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. Please see attached executed, signed and definitely ratified note copy - Seller-11/15/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025<br>| Resolved-Received all pages of the Note - Due Diligence Vendor-11/18/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20--- Borrower's DSCR 1.304%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 747 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6151612 |
| XXXX | XXXX | 304892616 C A | Closed | FCOM1221 | 2025-11-06 07:06 | 2025-11-07 16:23 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Received security instrument with all riders and attachments. - Due Diligence Vendor-11/07/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025 <br>Open-The Deed of Trust is Incomplete Missing the complete Deed of Trust (Mortgage) including but not limited to the signature page and any & all Riders. - Due Diligence Vendor-11/06/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-11/06/2025<br>| Resolved-Received security instrument with all riders and attachments. - Due Diligence Vendor-11/07/2025<br>| DSCR % greater than 1.20 - DSCR % greater than 1.20--- Borrower's DSCR 1.304%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660- Borrower's FICO 747 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6150663 |
| XXXX | XXXX | 304892588 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 304875578 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304892620 D A C | Closed | FCRE2393 | 2025-11-07 10:45 | 2025-11-18 12:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Received property taxes and HOI. - Due Diligence Vendor-11/18/2025 <br> Ready for Review-Please note that 3C-XXXX is not the subject property. This property is the borrower's investment property and therefore this does not affect the loan . This loan is a Cash-Out for the borrower's primary residence therefore these documents do not apply. Please clear this finding. - Seller-11/17/2025 <br> Counter-Received HOI and property taxes for 3c-tax billing reflects delinquency of 11 months-verify paid current. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 <br> Open-Property C: Provide docs to verify Taxes & HOI. - Due Diligence Vendor-11/07/2025 | Ready for Review-Please note that 3C-XXXX is not the subject property. This property is the borrower's investment property and therefore this does not affect the loan . This loan is a Cash-Out for the borrower's primary residence therefore these documents do not apply. Please clear this finding. - Seller-11/17/2025 <br> Ready for Review-Document Uploaded. - Seller-11/07/2025 | Resolved-Received property taxes and HOI. - Due Diligence Vendor-11/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 711<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 44.15% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6170949 |
| XXXX | XXXX | 304892620 D A C | Closed | finding-47 | 2025-11-05 12:32 | 2025-11-11 09:45 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Rec'd CD with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-Document Uploaded. UPLOADED - Seller-11/10/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-11/05/2025 | Ready for Review-Document Uploaded. UPLOADED - Seller-11/10/2025<br>| Resolved-Rec'd CD with disbursement date of XXXX. Finding resolved. - Due Diligence Vendor-11/11/2025 | Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 711<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 44.15% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6139322 |
| XXXX | XXXX | 304892620 D A C | Closed | finding-3540 | 2025-11-05 12:32 | 2025-11-11 09:45 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Rec'd borrower's acknowledgment of CD. Finding resolved. - Due Diligence Vendor-11/11/2025 <br> Ready for Review-UPLOADED - Seller-11/10/2025 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD dated XXXX is not signed by borrower- no proof in file that borrower received before closing on XXXX. Please provide proof borrower received CD prior to closing on XXXX. - Due Diligence Vendor-11/05/2025 | Ready for Review-UPLOADED - Seller-11/10/2025<br>| Resolved-Rec'd borrower's acknowledgment of CD. Finding resolved. - Due Diligence Vendor-11/11/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Lender minimum FICO 680, borrower FICO 711<br>Qualifying DTI below maximum allowed - Lender max DTI 50%, borrower DTI 44.15% |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6139323 |
| XXXX | XXXX | 304910090 C A | Closed | FCRE1148 | 2025-11-19 10:45 | 2025-11-24 14:13 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-11/24/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien of XXXX. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025<br>| Resolved-Received updated Commitment w/sufficient coverage. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - Verified assets of 30.8 months exceeds the minimum required of 6 months<br>DSCR % greater than 1.20 - Rule False Calculated DSCR of 1.369 which exceeds the minimum required of 1.0<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6304640 |
| XXXX | XXXX | 304910090 C A | Closed | FCRE1510 | 2025-11-19 09:48 | 2025-11-24 14:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received all pages of the Security Agreement. - Due Diligence Vendor-11/24/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. The first page of the Mortgage Document (Deed of Trust) is missing. - Due Diligence Vendor-11/19/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-11/20/2025<br>| Resolved-Received all pages of the Security Agreement. - Due Diligence Vendor-11/24/2025<br>| Months Reserves exceed minimum required - Verified assets of 30.8 months exceeds the minimum required of 6 months<br>DSCR % greater than 1.20 - Rule False Calculated DSCR of 1.369 which exceeds the minimum required of 1.0<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 798 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6303392 |
| XXXX | XXXX | 304910065 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305023672 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305023762 C B A | Closed | FPRO1257 | 2025-12-05 07:52 | 2025-12-31 13:35 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received SSR with a CU score of 1.2 - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/29/2025 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. 2nd valuation product not found - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/29/2025<br>| Resolved-Received SSR with a CU score of 1.2 - Due Diligence Vendor-12/31/2025<br>| Long term residence - At current residence for 5 years<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR exceeds min Required is 0.75 Borrower has 1.32 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6500116 |
| XXXX | XXXX | 305023762 C B A | Closed | FCRE1200 | 2025-12-05 08:22 | 2025-12-31 13:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator exception granted for loan amount, waiver applied with compactors<br> - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/29/2025 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount ofXXXX 1008 states exception approved, but exception was not found - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/29/2025<br>| Waived-Originator exception granted for loan amount, waiver applied with compactors<br> - Due Diligence Vendor-12/31/2025<br>| Long term residence - At current residence for 5 years<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR exceeds min Required is 0.75 Borrower has 1.32 | DSCR over 1.2<br> credit history 0x30 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 6500475 |
| XXXX | XXXX | 305023684 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305023692 D B A | Closed | FCRE1158 | 2025-12-08 13:42 | 2025-12-10 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received HOI with the correct premium - Due Diligence Vendor-12/10/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/08/2025 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing Final HOI docs to match premium amount used for closing. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/08/2025<br>| Resolved-Received HOI with the correct premium - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Months Reserves exceed minimum required - 15 mths reserves; 6 mths required. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6532887 |
| XXXX | XXXX | 305023692 D B A | Closed | FCRE3653 | 2025-12-08 16:30 | 2025-12-10 14:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Upon further review, the loan file contains sufficient documentation regarding the property management. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Please note page 72 of the appraisal report delivered with the loan file included XXXX, XXXX, and XXXX expenses for the subject property which had zero management fees. That is sufficient confirmation that the property is self managed. Further explanation from the borrower is unwarranted. - Seller-12/08/2025 <br> Open-Missing letter of explanation from borrower confirming they self manage, prior years show 0 for management fees - Due Diligence Vendor-12/08/2025 | Ready for Review-Please note page 72 of the appraisal report delivered with the loan file included XXXX, XXXX, and XXXX expenses for the subject property which had zero management fees. That is sufficient confirmation that the property is self managed. Further explanation from the borrower is unwarranted. - Seller-12/08/2025 | Resolved-Upon further review, the loan file contains sufficient documentation regarding the property management. - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Months Reserves exceed minimum required - 15 mths reserves; 6 mths required. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6536782 |
| XXXX | XXXX | 305023692 D B A | Closed | FCRE1498 | 2025-12-08 16:04 | 2025-12-08 16:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower Rental Experience Insufficient per Guidelines (DSCR) | Waived-Client exception granted to allow First time investor not allowed on 5-10 units, on title (LLC) since XXXX. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/08/2025 <br> Open-Borrower Rental Experience Insufficient per Guidelines (DSCR Loan Type) Approved lender exception on file. "First time investor not allowed on 5-10 units, on title (LLC) since XXXX" - Due Diligence Vendor-12/08/2025 |  | Waived-Client exception granted to allow First time investor not allowed on 5-10 units, on title (LLC) since XXXX. Non-material waiver applied with comp factors. - Due Diligence Vendor-12/08/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Months Reserves exceed minimum required - 15 mths reserves; 6 mths required. | Fico is 20+ points above the required<br> 24+ month of clean credit history<br> 24+ months housing history 0x30 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | 6536250 |
| XXXX | XXXX | 305023681 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305023718 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305029405 C A | Closed | FCRE8701 | 2025-12-15 08:54 | 2026-04-24 13:03 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-04/24/2026 <br>Resolved-Received EIN - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/15/2025 <br>Open-The Business Entity Formation Document is Missing. Investor to review and approve all Entity documentation. Missing EIN Number - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/15/2025<br>| Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-04/24/2026 <br>Resolved-Received EIN - Due Diligence Vendor-12/17/2025<br>| LTV is less than guideline maximum - LTV LESS THEN MAX Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - FICO EXCEED MIN BY OVER 20 PTS. Required is 640 Borrower has 767 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6621208 |
| XXXX | XXXX | 305029403 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305029494 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305029462 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305030885 D A | Closed | FCRE2393 | 2025-12-29 13:33 | 2025-12-31 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Upon further review, this is the sellers debt paid at close to the XXXX. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-We respectfully disagree. The payment to the XXXX was pad by the Seller and not our borrower. The issue could be related to amounts owed by the Seller to the XXXX and is not relevant or material to the borrower's qualification of the subject loan. - Seller-12/30/2025 <br> Open-Provide clarification for what the "XXXX- Withholding to XXXX re: XXXX- Withholding" on the Seller's Settlement Statement under section H is specifically for. Upon receipt additional conditions may apply. - Due Diligence Vendor-12/29/2025 | Ready for Review-We respectfully disagree. The payment to the XXXXX was pad by the Seller and not our borrower. The issue could be related to amounts owed by the Seller to the XXXX and is not relevant or material to the borrower's qualification of the subject loan. - Seller-12/30/2025 | Resolved-Upon further review, this is the sellers debt paid at close to the XXXX. - Due Diligence Vendor-12/31/2025 | Months Reserves exceed minimum required - Min reserves required 6 mths. Borrower has 36.1 months in reserves.<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 800 Required is 660 Borrower has 800<br>LTV is less than guideline maximum - Max LTV is 75 Borrower has 64.62 Required is 75 Borrower has 64.62 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6837671 |
| XXXX | XXXX | 305023691 C B A | Closed | FCRE1198 | 2025-12-29 14:18 | 2026-01-13 17:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator exception granted to allow less than 12 months in reserves. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2026 <br> Counter-Provide updated Waiver to show revised LTV of 69.7% based on value used to qualify XXXX. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 5 months reserves. - Seller-01/07/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Additional assets required - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 5 months reserves. - Seller-01/07/2026<br>| Waived-Originator exception granted to allow less than 12 months in reserves. Non-material waiver applied to finding with compensating factors. - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.77 | DSCR % greater than 1.20\*<br> Qualifying FICO score is at least 20 points above minimum for program\*<br> LTV is 5% less than guideline maximum | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | Yes | 6838558 |
| XXXX | XXXX | 305023691 C B A | Closed | FPRO0023 | 2025-12-29 13:43 | 2026-01-13 11:33 | Waived | 2 - Non-Material C B | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Waived-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-31.20'. Finding remains as Non Material due to the file containing 2 secondary valuation products not supporting the original appraised value. Used lowest value to qualify. - Due Diligence Vendor-01/13/2026 <br>Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-31.20'. Finding remains as Non Material due to the file containing 2 secondary valuation products not supporting the original appraised value. Used lowest value to qualify. - Due Diligence Vendor-01/13/2026 |  | Waived-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-31.20'. Finding remains as Non Material due to the file containing 2 secondary valuation products not supporting the original appraised value. Used lowest value to qualify. - Due Diligence Vendor-01/13/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.77 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 6837903 |
| XXXX | XXXX | 305023691 C B A | Closed | FCRE1510 | 2025-12-24 18:00 | 2025-12-31 13:56 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received all page of the mortgage. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-12/29/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Notary and Signature page - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/29/2025<br>| Resolved-Received all page of the mortgage. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.77 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6800761 |
| XXXX | XXXX | 305023691 C B A | Closed | FCRE9501 | 2025-12-29 14:08 | 2025-12-31 13:55 | Resolved | 1 - Information C A | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Resolved-Received additional assets. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. Proceeds from a XXXX CES for XXXX were used for the subject CTC. Please see attached CD. - Seller-12/29/2025 <br> Open-Total Qualified Assets Post-Close amount is 'XXXX'. Assets are Insufficient. Insufficient funds for transaction - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Proceeds from a XXXX CES forXXXX were used for the subject CTC. Please see attached CD. - Seller-12/29/2025 | Resolved-Received additional assets. - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775<br>LTV is less than guideline maximum - Required is 75 Borrower has 69.77 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6838398 |
| XXXX | XXXX | 305029521 D A | Closed | FCRE8700 | 2025-12-30 18:11 | 2026-01-05 15:19 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Missing EIN Number for Business Entity | Resolved-Received EIN. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-12/31/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-12/31/2025<br>| Resolved-Received EIN. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 730<br>LTV is less than guideline maximum - Required is 80 Borrower has 75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6862412 |
| XXXX | XXXX | 305030839 D A | Closed | FCRE1201 | 2025-12-30 14:40 | 2026-01-02 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-12/31/2025 <br> Open-Missing Third Party Fraud Report Provide Fraud Report including XXXX and All Interested Parties Checked with Exclusionary Lists. Subject to review, additional conditions may apply. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see attached. - Seller-12/31/2025<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/02/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6859151 |
| XXXX | XXXX | 305030839 D A | Closed | FCRE0095 | 2025-12-30 23:34 | 2026-01-02 14:53 | Resolved | 1 - Information C A | Credit | Eligibility | Short Term Rental Income does not meet guidelines | Resolved-Upon further review, An alternative market rent analysis similar to XXXX Form 1007/1025 is allowed per the Guidelines. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-We respectfully disagree. According to DSCR guidelines, section 3.4; An alternative market rent analysis similar to XXXX Form 1007/1025 is allowed. The loan file included a STR Feasibility Report from XXXX. - Seller-12/31/2025 <br> Open-XXXX Only allowed for purchase transaction. Lender utilized XXXX to determine short-term rental income for the DSCR ratio on a refinance transaction. - Due Diligence Vendor-12/31/2025 | Ready for Review-We respectfully disagree. According to DSCR guidelines, section 3.4; An alternative market rent analysis similar to XXXX Form 1007/1025 is allowed. The loan file included a STR Feasibility Report from ActAppraisal. - Seller-12/31/2025 | Resolved-Upon further review, An alternative market rent analysis similar to XXXX Form 1007/1025 is allowed per the Guidelines. - Due Diligence Vendor-01/02/2026 | LTV is less than guideline maximum - Required is 80 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 777 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 6865088 |
| XXXX | XXXX | 305029340 C A | Closed | FCRE1510 | 2025-12-30 11:08 | 2026-01-05 14:59 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument and Notary page. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/02/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing the Notary's signature, date and stamped acknowledgement. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-01/02/2026<br>| Resolved-Received complete security instrument and Notary page. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 783 Required is 660 Borrower has 783<br>On time mortgage history exceeds guideline requirement - Borrower's mortgage history is on time for over 12+ months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 6853744 |
| XXXX | XXXX | 305029341 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305030892 C B A | Closed | FCRE1510 | 2026-01-02 07:37 | 2026-01-21 16:49 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Missing Signature page. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/17/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Signature page - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/17/2026<br>| Resolved-Received Deed of Trust with Missing Signature page. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 640 - actual FICO score is 724. Required is 640 Borrower has 724<br>DSCR % greater than 1.20 - DSCR is 2.541. Required is 0.75 Borrower has 2.541 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6890310 |
| XXXX | XXXX | 305030892 C B A | Closed | FCRE1194 | 2026-01-02 08:23 | 2026-01-05 14:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Originator provided a waiver for LTV to 80% with vacant property, applied to non material finding with comp factors - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/02/2026 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Per 1008, LTV exception to allow LTV at 80% - exception not located in file and Conditional approval does not reflect LTV exception (reflects 75%). - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/02/2026<br>| Waived-Originator provided a waiver for LTV to 80% with vacant property, applied to non material finding with comp factors - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum required FICO score is 640 - actual FICO score is 724. Required is 640 Borrower has 724<br>DSCR % greater than 1.20 - DSCR is 2.541. Required is 0.75 Borrower has 2.541 | FICO is 20 points above minimum required<br> Credit history 0x30 for 24 months. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6890868 |
| XXXX | XXXX | 305030822 D B C A | Closed | FCRE1510 | 2025-12-31 15:42 | 2026-04-15 14:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-04/15/2026 <br>Ready for Review-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-04/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 Required is 700 Borrower has 746<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6881051 |
| XXXX | XXXX | 305030822 D B C A | Closed | FCRE1198 | 2026-01-02 10:37 | 2026-01-09 09:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver to approve with 8 months reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 8 months reserves - Seller-01/07/2026 <br>Open-Audited Reserves of 8.04 month(s) are less than Guideline Required Reserves of 9 month(s) Provide additional assets to cover reserves requirement, per guides 9 months - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close with 8 months reserves - Seller-01/07/2026<br>| Waived-Originator provided a waiver to approve with 8 months reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 Required is 700 Borrower has 746<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years | \* Qualifying FICO score is at least 20 points above minimum for program\* <br> Residual Income =/> 1.5 times XXXX monthly residual income | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6893643 |
| XXXX | XXXX | 305030822 D B C A | Closed | FCOM1231 | 2026-01-02 06:18 | 2026-01-08 08:44 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received the Initial 1003 singed by loan officer. Finding Resoolved. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Please see Initial signed 1003 - Seller-01/07/2026 <br>Counter-----Initial 1003 is not dated by the loan officer. Finding Remains. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026 <br>Open-The Initial 1003 is Missing Initial 1003 missing - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. Please see Initial signed 1003 - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/02/2026<br>| Resolved-Received the Initial 1003 singed by loan officer. Finding Resoolved. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 Required is 700 Borrower has 746<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6889706 |
| XXXX | XXXX | 305030822 D B C A | Closed | finding-3542 | 2025-12-31 17:06 | 2026-01-06 08:37 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. REBUTTAL PROVIDED - Seller-01/05/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (waiting period required).(12 CFR §1026.19(f)(2)(ii))The revised closing disclosure delivery requires a new waiting period andThe revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation requiring a new waiting period. If one of the following disclosures provided under §1026.19(f)(1)(i) becomes inaccurate in the following manner before consummation, the creditor shall ensure that the consumer receives corrected disclosures containing all changed terms in accordance with the requirements of §1026.19(f)(1)(ii)(A):(A) The annual percentage rate disclosed under §1026.38(o)(4) becomes inaccurate, as defined in §1026.22.(B) The loan product is changed, causing the information disclosed under §1026.38(a)(5)(iii) to become inaccurate.(C) A prepayment penalty is added, causing the statement regarding a prepayment penalty required under §1026.38(b) to become inaccurate.The creditor shall ensure that the consumer receives the disclosures required under §1026.19(f)(1)(i) no later than three business days before consummation. ----- CD XXXX is not signed and there is no evidence of when it was provided to borrower. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. REBUTTAL PROVIDED - Seller-01/05/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 746 Required is 700 Borrower has 746<br>Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 5+ Years – Minimum = 2 Years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6882594 |
| XXXX | XXXX | 305030901 C A | Closed | FCRE1440 | 2026-01-06 20:52 | 2026-01-12 14:22 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review 12 months of housing history reflected, the XXXX in fees is due to several of the payments being made after the 15th of each month which caused the late payment fees.. Does not reflect 30+ days late- condition resolved - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Duplicate documents were provided with an explanation and clarification for your review since evidence of 12 months payments have been verified. According to the payoff demand, the next payment due was XXXX, which indicates the XXXX payment was already made. The loan file included Borrower ACH Authorizations for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, which along with the XXXX payment is 12 months of payment history. Based on the ACH Authorization dates, the payments were not 30 days late and the late fees are due to payments that were made after the 15th. Please escalate and/or clear the finding accordingly. - Seller-01/09/2026 <br> Counter-Received duplicate documentation. Provide Verification of Mortgage from XXXX to validate a satisfactory mortgage payment history for the subject property Over 6000 in late fees per the pay off. Need to confirm 0\*30 days. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to the payoff demand, the next payment due was XX/XX/XX, which indicates theXX/XX/XX payment was already made. The loan file included Borrower ACH Authorizations for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, which along with the XXXX payment is 12 months of payment history. Based on the ACH Authorization dates, the payments were not 30 days late and the late fees are due to payments that were made after the 15th. - Seller-01/07/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide Verification of Mortgage from XXX to validate a satisfactory mortgage payment history for the subject property. Over XXXX in late fees per the pay off. Need to confirm 0\*30 days. - Due Diligence Vendor-01/07/2026 | Ready for Review-Duplicate documents were provided with an explanation and clarification for your review since evidence of 12 months payments have been verified. According to the payoff demand, the next payment due was XXXX, which indicates the XXXX payment was already made. The loan file included Borrower ACH Authorizations for XXXX, XXXX, XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, which along with the XXXX payment is 12 months of payment history. Based on the ACH Authorization dates, the payments were not 30 days late and the late fees are due to payments that were made after the 15th. Please escalate and/or clear the finding accordingly. - Seller-01/09/2026 <br> Ready for Review-Document Uploaded. We respectfully disagree. According to the payoff demand, the next payment due was XXXX, which indicates the XXXX payment was already made. The loan file included Borrower ACH Authorizations for XXXX, XXXX, XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, which along with the XXXX payment is 12 months of payment history. Based on the ACH Authorization dates, the payments were not 30 days late and the late fees are due to payments that were made after the 15th. - Seller-01/07/2026 | Resolved-After further review 12 months of housing history reflected, the $XXXX in fees is due to several of the payments being made after the 15th of each month which caused the late payment fees.. Does not reflect 30+ days late- condition resolved - Due Diligence Vendor-01/12/2026 | LTV is less than guideline maximum - LTV is less than guideline maximum Required is 75 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 742 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6948579 |
| XXXX | XXXX | 305030887 C A | Closed | FCRE1206 | 2026-01-07 15:03 | 2026-01-14 15:36 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/12/2026 <br> Counter-Received XXXX only. Missing XXXX clearance for Exclusionary Lists missing Appraiser and settlement agent - Due Diligence Vendor-01/12/2026 <br> Ready for Review-The initial finding called for Appraiser and settlement agent. The names are listed on the uploaded list. Refer to pages 1 and 2 for all the individuals' names, entity names, and license numbers. Please escalate and/or clear the finding accordingly. - Seller-01/09/2026 <br> Counter-Received Sam. Missing proof all participants were checked against all exclusionary list. Provided include Data verify including noted participants. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-01/07/2026 <br> Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent to be added to the loan participants list. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/12/2026 <br>Ready for Review-The initial finding called for Appraiser and settlement agent. The names are listed on the uploaded list. Refer to pages 1 and 2 for all the individuals' names, entity names, and license numbers. Please escalate and/or clear the finding accordingly. - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/07/2026<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640. Borrower has 688. Required is 640 Borrower has 688<br>Months Reserves exceed minimum required - Guidelines do not require reserves. Borrower verified 63.52 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6967413 |
| XXXX | XXXX | 305030887 C A | Closed | FCRE7748 | 2026-01-07 14:45 | 2026-01-12 13:29 | Resolved | 1 - Information C A | Credit | Eligibility | Valuation Product Does Not Meet Guidelines | Resolved-Received desk review. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/09/2026 <br>Open-Per guidelines both scores (CU & LCA) provided are required to be 2.5 or less. If any one score is greater than 2.5, the file must include either an AVM, enhanced desk review, field review, or second appraisal (in this order). The LCA in the file has a score of 4.5. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/09/2026<br>| Resolved-Received desk review. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640. Borrower has 688. Required is 640 Borrower has 688<br>Months Reserves exceed minimum required - Guidelines do not require reserves. Borrower verified 63.52 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6966994 |
| XXXX | XXXX | 305030887 C A | Closed | FCRE1440 | 2026-01-07 12:51 | 2026-01-09 17:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Please note that the VOM shows the mortgage was late for 5 months (XXXX - XXXX). Per section 6.7.1 of the XXXX DSCR Guide, Rolling 30 day lates (up to 6 lates) are considered 1 event. Since the VOM does not exceed 6 months, the lates would be considered rolling and would only account for 1 30 day late. - Seller-01/08/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing proof from Cadance that the 5x30-day late payments are considered a "rolling" as required by the guidelines. 1008 reflects rolling; however, the VOM does not verify this information as it states, "dates loan has been over 30 days in past 12 months." Upon receipt, additional conditions maybe required. - Due Diligence Vendor-01/07/2026 | Ready for Review-Please note that the VOM shows the mortgage was late for 5 months (XXXX5 - XXXX). Per section 6.7.1 of the XXXX DSCR Guide, Rolling 30 day lates (up to 6 lates) are considered 1 event. Since the VOM does not exceed 6 months, the lates would be considered rolling and would only account for 1 30 day late. - Seller-01/08/2026 | Resolved-Upon further review, the loan file contained all required documentation - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 640. Borrower has 688. Required is 640 Borrower has 688<br>Months Reserves exceed minimum required - Guidelines do not require reserves. Borrower verified 63.52 months of reserves. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6964368 |
| XXXX | XXXX | 305035382 C B A | Closed | FCRE9501 | 2026-01-09 09:19 | 2026-02-04 15:01 | Waived | 2 - Non-Material C B | Credit | Assets | Total Qualified Assets Post-Close is Less than $0 | Waived-Originator provided a waiver to allow loan to close with no reserves, applied to non material finding with comp factors - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please escalate for manager review, XXXX / Tenant comments state "Borrower provided bank statements for XXXX and $XXXX in liquid assets and XXXX gift letter". see attached FINAL CD and FTC Calc with no reserves required. - Seller-02/03/2026 <br> Counter-Review confirm no reserves as waiver received. Review does not reflect sufficient funds for closing. Per CD XXXX XXXX required for closing and XXXX EMD not validated. Provide confirmation of sufficient funds for closing. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please acknowledge the Exception previously uploaded to not require any reserves, attached are the funds wired at closing and settlement statement shows receipt of funds. Please expedite this to be cleared as soon as possible - Seller-01/29/2026 <br> Counter-Review does not reflect sufficient funds for closing. Per CD XXXX XXXX required for closing and XXXX EMD not validated. Provide confirmation of sufficient funds for closing. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Please note that the Funds to close are XXXX; therefore the XXXX verified (XXXX and XXXX in liquid assets and XXXX gift letter) would have been sufficient to cover the Cash needed to Close. - Seller-01/23/2026 <br> Open-Total Qualified Assets Post-Close amount is XXXX'. Assets are Insufficient. Borrower provided bank statements for XXXX and XXXX in liquid assests and XXXX gift letter. short liquid assets - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please escalate for manager review, XXXX / Tenant comments state "Borrower provided bank statements for XXXX and XXXX in liquid assets and XXXX gift letter". see attached FINAL CD and FTC Calc with no reserves required. - Seller-02/03/2026 <br> Ready for Review-Document Uploaded. Please acknowledge the Exception previously uploaded to not require any reserves, attached are the funds wired at closing and settlement statement shows receipt of funds. Please expedite this to be cleared as soon as possible - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. Please note that the Funds to close are XXXX; therefore the XXXX verified (XXXX and XXXX in liquid assets and XXXX gift letter) would have been sufficient to cover the Cash needed to Close. - Seller-01/23/2026 | Waived-Originator provided a waiver to allow loan to close with no reserves, applied to non material finding with comp factors - Due Diligence Vendor-02/04/2026<br>| Qualifying DTI below maximum allowed - 42.46% DTI, is below max of 50%.<br>Verified employment history exceeds guidelines - Borrower has been self-employed 20+ years | Residual Income =/> 1.5 times XXXX monthly residual income<br> \* 24+ month credit history exceeds minimum required<br> \* 5+ years Verified employment history exceeds guidelines | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7003306 |
| XXXX | XXXX | 305035382 C B A | Closed | FCRE1198 | 2026-01-09 12:44 | 2026-01-26 15:04 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for no reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close without reserves - Seller-01/23/2026 <br>Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) Borrower is short reserves Audited Reserves of month(s) are less than Guideline Required Reserves of 12 month(s) - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the loan to close without reserves - Seller-01/23/2026<br>| Waived-Originator provided a waiver for no reserves, applied to non material finding with comp factors - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - 42.46% DTI, is below max of 50%.<br>Verified employment history exceeds guidelines - Borrower has been self-employed 20+ years | Residual Income =/> 1.5 times XXXX monthly residual income<br> 24+ month credit history exceeds minimum required<br> 5+ years Verified employment history exceeds guidelines | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7011250 |
| XXXX | XXXX | 305035382 C B A | Closed | FCRE0197 | 2026-01-09 09:21 | 2026-01-14 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Receive final seller settlement statement. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/12/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/12/2026<br>| Resolved-Receive final seller settlement statement. - Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - 42.46% DTI, is below max of 50%.<br>Verified employment history exceeds guidelines - Borrower has been self-employed 20+ years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7003355 |
| XXXX | XXXX | 305035382 C B A | Closed | FCRE6844 | 2026-01-09 09:38 | 2026-01-13 14:27 | Resolved | 1 - Information C A | Credit | Assets | Gift Funds General | Resolved-Received wire receipt. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/09/2026 <br>Open-lender to provide proof of receipt for gift funds. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/09/2026<br>| Resolved-Received wire receipt. - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - 42.46% DTI, is below max of 50%.<br>Verified employment history exceeds guidelines - Borrower has been self-employed 20+ years |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7004434 |
| XXXX | XXXX | 305030865 D A | Closed | FCRE1345 | 2026-01-09 13:37 | 2026-01-14 15:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received Rent Payments - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached 2 months receipt of rent payments for units 2, 3 and 5. Please clear this finding. - Seller-01/12/2026 <br> Open-Since the leases have been converted to month-to-month for Units 2, 3 and 5, the most recent two (2) months proof of rent receipt to evidence continuance of lease on refinance transactions is required. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please see attached 2 months receipt of rent payments for units 2, 3 and 5. Please clear this finding. - Seller-01/12/2026<br>| Resolved-Received Rent Payments - Due Diligence Vendor-01/14/2026<br>| LTV is less than guideline maximum - Max LTV is 75 Borrower has 49.74 Required is 75 Borrower has 49.74<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 790 Required is 680 Borrower has 790 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7012205 |
| XXXX | XXXX | 305035342 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305039248 C A | Closed | FCRE0197 | 2026-01-09 18:15 | 2026-01-15 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Upon further review, the loan file contained a Final combined Settlement Statement. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-We respectfully disagree. As mentioned in a the related finding. the combined settlement statement was already reviewed and delivered with the loan file. Private party payoffs are not always on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. Please escalate and clear the findings accordingly. - Seller-01/13/2026 <br> Counter-Payoff(s) on the CD/HUD are not reported on Title Report. The combined settlement statement shows XXXX for funds towards exchange replacement property. Additional findings may apply. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. As mentioned in a the related finding. the combined settlement statement was already reviewed and delivered with the loan file. Please see attached. - Seller-01/12/2026 <br> Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-01/09/2026 | Ready for Review-We respectfully disagree. As mentioned in a the related finding. the combined settlement statement was already reviewed and delivered with the loan file. Private party payoffs are not always on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. Please escalate and clear the findings accordingly. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. As mentioned in a the related finding. the combined settlement statement was already reviewed and delivered with the loan file. Please see attached. - Seller-01/12/2026<br>| Resolved-Upon further review, the loan file contained a Final combined Settlement Statement. - Due Diligence Vendor-01/15/2026<br>| Months Reserves exceed minimum required - 6 months reserves required - borrower has 67.55 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 772 Required is 680 Borrower has 772 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7018644 |
| XXXX | XXXX | 305039248 C A | Closed | FCRE0196 | 2026-01-09 18:15 | 2026-01-15 14:08 | Resolved | 1 - Information C A | Credit | Eligibility | Payoff(s) on the CD/HUD are not reported on Title Report | Resolved-Upon further review, Seller is doing a 1031 exchange, no other documentation required as it does not effect the Title for the subject. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-We respectfully disagree. Private party payoffs are not always on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. Please escalate and clear the findings accordingly. - Seller-01/13/2026 <br> Counter-Payoff(s) on the CD/HUD are not reported on Title Report. The combined settlement statement shows XXXX for funds towards exchange replacement property. Additional findings may apply. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-We respectfully disagree. Private party payoffs are not always be on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. - Seller-01/12/2026 <br> Open-Payoff(s) on the CD/HUD are not reported on Title Report. The combined settlement statement shows XXXX for funds towards exchange replacement property. Additional findings may apply. - Due Diligence Vendor-01/12/2026 | Ready for Review-We respectfully disagree. Private party payoffs are not always on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. Please escalate and clear the findings accordingly. - Seller-01/13/2026 <br>Ready for Review-We respectfully disagree. Private party payoffs are not always be on title if they are not recorded liens and what the seller does with the proceeds of the sale of the property is not relevant to the borrower or the subject loan. - Seller-01/12/2026<br>| Resolved-Upon further review, Seller is doing a 1031 exchange, no other documentation required as it does not effect the Title for the subject. - Due Diligence Vendor-01/15/2026<br>| Months Reserves exceed minimum required - 6 months reserves required - borrower has 67.55 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 772 Required is 680 Borrower has 772 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7018645 |
| XXXX | XXXX | 305035387 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305035407 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305039329 C A | Closed | FCRE1194 | 2026-01-13 08:56 | 2026-01-28 17:36 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of % is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. Please refer to the attached documentation to support the borrower owned a property through his LLC. XXXX. was owned by XXXX since XXXX; and, our borrower is 100% owner of XXXX. Through the LLC, the borrower would have at lease 1 year of rental experience in the last 3 years; therefore, he is not a first time investor. - Seller-01/27/2026 <br> Open-Audited LTV of 75% exceeds Guideline LTV of 70% Max LTV for a First time investor is 70% - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. Please refer to the attached documentation to support the borrower owned a property through his LLC.XXXX was owned byXXXX sinceXXXX; and, our borrower is 100% owner of XXXX. Through the LLC, the borrower would have at lease 1 year of rental experience in the last 3 years; therefore, he is not a first time investor. - Seller-01/27/2026 | Resolved-Audited LTV of % is less than or equal to Guideline LTV of 75% - Due Diligence Vendor-01/28/2026<br>| Months Reserves exceed minimum required - 22 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 Required is 700 Borrower has 740 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7059304 |
| XXXX | XXXX | 305039329 C A | Closed | FCRE0140 | 2026-01-13 08:57 | 2026-01-28 17:32 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Property profile, note, and operating agreement provided documenting ownership in property since XXXX - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Please refer to the attached documentation in the related finding to support the borrower is not a first time investor, as he owned a property through his LLC. XXXX was owned by XXXX since XXXX; and, our borrower is 100% owner ofXXXX. Through the LLC, the borrower would have at lease 1 year of rental experience in the last 3 years; therefore, he is not a first time investor. - Seller-01/27/2026 <br> Open-Interest only is not allowed for a first time investor. - Due Diligence Vendor-01/13/2026 | Ready for Review-Please refer to the attached documentation in the related finding to support the borrower is not a first time investor, as he owned a property through his LLC. XXXX was owned by XXXX since XXXX; and, our borrower is 100% owner of XXXX. Through the LLC, the borrower would have at lease 1 year of rental experience in the last 3 years; therefore, he is not a first time investor. - Seller-01/27/2026 | Resolved-Property profile, note, and operating agreement provided documenting ownership in property since XXXX - Due Diligence Vendor-01/28/2026 | Months Reserves exceed minimum required - 22 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 Required is 700 Borrower has 740 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7059315 |
| XXXX | XXXX | 305039329 C A | Closed | FCRE0113 | 2026-01-13 08:51 | 2026-01-14 14:54 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Upon further review, the loan file contained all required secondary valuation documentation. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Per XXXX DSCR guidelines, section 8.1.3 Appraisal Review Requirements., the CDA, which support the Appraised Value, supersedes the AVM as a review product. - Seller-01/13/2026 <br> Open-AVM in the file is > 10% from the verified value of the appraisal and Desk Review,. - Due Diligence Vendor-01/13/2026 | Ready for Review-Per XXXX DSCR guidelines, section 8.1.3 Appraisal Review Requirements., the CDA, which support the Appraised Value, supersedes the AVM as a review product. - Seller-01/13/2026 | Resolved-Upon further review, the loan file contained all required secondary valuation documentation. - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - 22 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 Required is 700 Borrower has 740 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7059197 |
| XXXX | XXXX | 305039329 C A | Closed | FCRE1509 | 2026-01-09 11:01 | 2026-01-14 14:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received complete Note inclusive of signature page. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026 <br>Open-There are Issues Present on the Note that must be addressed. missing signature page - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/13/2026<br>| Resolved-Received complete Note inclusive of signature page. - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - 22 months reserves exceeds 6 months required.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 740 Required is 700 Borrower has 740 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7007670 |
| XXXX | XXXX | 305035416 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 304897221 D A | Closed | FCRE0200 | 2026-01-15 10:40 | 2026-02-02 10:47 | Resolved | 1 - Information C A | Credit | Debt | Missing proof of liability not disclosed on credit report | Resolved-Document Uploaded. The property report for XXXX and it confirms it's multi dwelling and XXXX is part of that multi dwelling, so mortgage would be under XXXX. For property located at XXXX, this property is part of XXXX. The property report for XXXX is zoned as 2 SFR, and also reflects the street map which shows XXXX being cross streets. <br> - Due Diligence Vendor-02/02/2026 <br> Counter-Received Property profile for XXXX and Note that does not reflect address of XXXX. Missing Mortgage statement for XXXX and XXXX. Property noted on 1003 pg 1896, but file did not include proof of PITIA for this property. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. See uploaded - XXXX Installment Note - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. XXXX is the 2nd unit for XXXX. The property sits XXXX with the main address being XXXX (reference street map in PDR uploaded here) - Seller-01/27/2026 <br> Open-The loan file contains lease agreements for the following properties but not the mortgage statements or proof they are held F&C: <br> XXXX - (lease agreement - page 123)<br> XXXX - (lease agreement page 473) - there is mention of this property on page 1896 but the mortgage statement doesn't match the address XXXX, only XXXX... - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. See uploaded - XXXX Installment Note - Seller-01/27/2026 <br> Ready for Review-Document Uploaded. XXXX is the 2nd unit for XXXX. The property sits XXXX with the main address being XXXX (reference street map in PDR uploaded here) - Seller-01/27/2026 | Resolved-Document Uploaded. The property report for XXXX and it confirms it's multi dwelling and XXXX is part of that multi dwelling, so mortgage would be under XXXX. For property located at XXXX, this property is part of XXXX. The property report for XXXX is zoned as 2 SFR, and also reflects the street map which shows XXXX/XXXX being cross streets. <br> - Due Diligence Vendor-02/02/2026 | Months Reserves exceed minimum required - 6 months subj loan PITI(a) is required - borrowers have 89 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 790 Required is 620 Borrower has 790 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7110566 |
| XXXX | XXXX | 304897221 D A | Closed | FCRE1335 | 2026-01-16 08:56 | 2026-02-02 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received evidence of filing. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Ready for Review-Attached is borrower's IRS Form 8879 form to support evidence of filing for XXXX. Per GL 1.7.5.2.1 Self-Employment Income, 'Evidence of filing may include IRS form 8879 e-File Signature Authorization' - Seller-01/27/2026 <br> Open-Borrower 1 IRS Transcripts Missing - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Ready for Review-Attached is borrower's IRS Form 8879 form to support evidence of filing for XXXX. Per GL 1.7.5.2.1 Self-Employment Income, 'Evidence of filing may include IRS form 8879 e-File Signature Authorization' - Seller-01/27/2026 | Resolved-Received evidence of filing. - Due Diligence Vendor-01/28/2026<br>| Months Reserves exceed minimum required - 6 months subj loan PITI(a) is required - borrowers have 89 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 790 Required is 620 Borrower has 790 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7134455 |
| XXXX | XXXX | 304897221 D A | Closed | FCRE1365 | 2026-01-16 08:56 | 2026-02-02 10:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Received evidence of filing. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-See uploaded borrower's IRS Form 8879 form to support evidence of filing for XXXX. Per GL 1.7.5.2.1 Self-Employment Income, 'Evidence of filing may include IRS form 8879 e-File Signature Authorization' - Seller-01/27/2026 <br> Open-Borrower 2 IRS Transcripts Missing - Due Diligence Vendor-01/16/2026 | Ready for Review-See uploaded borrower's IRS Form 8879 form to support evidence of filing for XXXX. Per GL 1.7.5.2.1 Self-Employment Income, 'Evidence of filing may include IRS form 8879 e-File Signature Authorization' - Seller-01/27/2026 | Resolved-Received evidence of filing. - Due Diligence Vendor-01/28/2026<br>| Months Reserves exceed minimum required - 6 months subj loan PITI(a) is required - borrowers have 89 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 790 Required is 620 Borrower has 790 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7134456 |
| XXXX | XXXX | 304897221 D A | Closed | FCRE1241 | 2026-01-14 09:27 | 2026-01-20 12:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Received executed purchase contract and addendums. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. Uploaded commercial purchase agreement, this was provided with credit file.. - Seller-01/16/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract is Missing. The loan file is missing the purchase agreement. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Uploaded commercial purchase agreement, this was provided with credit file.. - Seller-01/16/2026<br>| Resolved-Received executed purchase contract and addendums. - Due Diligence Vendor-01/20/2026<br>| Months Reserves exceed minimum required - 6 months subj loan PITI(a) is required - borrowers have 89 months reserves<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 620 Borrower has 790 Required is 620 Borrower has 790 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7084328 |
| XXXX | XXXX | 305035314 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305039352 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305039209 C A | Closed | FCRE1206 | 2026-01-15 08:51 | 2026-01-20 15:51 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Seller to be added to the loan participant list. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/15/2026<br>| Resolved-Received Fraud Report w/All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680. Borrower has 748. Required is 680 Borrower has 748<br>Qualifying DTI below maximum allowed - Required is 45. Borrower has 36.14. Required is 45 Borrower has 36.14 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7107686 |
| XXXX | XXXX | 305039227 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305039213 C A | Closed | FCRE0179 | 2026-01-15 17:47 | 2026-01-20 14:42 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. please see attached 1008 - Seller-01/16/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Condo Warrantability is missing. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. please see attached 1008 - Seller-01/16/2026<br>| Resolved-Received 1008 - Due Diligence Vendor-01/20/2026<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 6.34 months.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.4 Required is 50 Borrower has 33.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Required is 680 Borrower has 703 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7122892 |
| XXXX | XXXX | 305039213 C A | Closed | FCRE1510 | 2026-01-15 12:20 | 2026-01-20 14:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. Please see attached MTG DOT with legal description - Seller-01/16/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing LD in Mortgage chain - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. Please see attached MTG DOT with legal description - Seller-01/16/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/20/2026<br>| Months Reserves exceed minimum required - Months reserves required is 3; qualifying reserves is 6.34 months.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.4 Required is 50 Borrower has 33.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 703 Required is 680 Borrower has 703 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7114846 |
| XXXX | XXXX | 305035368 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305023759 C A | Closed | FCRE1510 | 2026-01-16 14:41 | 2026-01-22 15:40 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage Document (Deed of Trust) with signature and notary pages - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-01/20/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing signature and notary pages - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-01/20/2026<br>| Resolved-Received Mortgage Document (Deed of Trust) with signature and notary pages - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 728<br>LTV is less than guideline maximum - Required is 75 Borrower has 65.64 Required is 75 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7143647 |
| XXXX | XXXX | 305035338 C A | Closed | FCRE1510 | 2026-01-20 12:46 | 2026-01-22 16:42 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. Please see attached - MTG DOT with legal - Seller-01/20/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing borrower signature page and notary page. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. Please see attached - MTG DOT with legal - Seller-01/20/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/22/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 75 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 703 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7183431 |
| XXXX | XXXX | 305035338 C A | Closed | FCRE1204 | 2026-01-20 13:43 | 2026-01-22 16:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received XXXX with no matches found. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached – XXXX.gov look up reflects - No matches found - Seller-01/21/2026 <br> Open-Fraud Report Shows Uncleared Alerts LOAN PARTICIPANTS MATCHES ESCROW OFFICER AND HOMEOWENRS INSURANCE CONTACT TO BE CLEARED. GSA-EPLS MATCHES. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. Please see attached – XXXX.gov look up reflects - No matches found - Seller-01/21/2026 | Resolved-Received SAM with no matches found. - Due Diligence Vendor-01/22/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 75 Borrower has 65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 703 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7184825 |
| XXXX | XXXX | 305035432 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305039221 D A | Closed | FCRE5770 | 2026-01-21 10:50 | 2026-01-23 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received Credit Report. - Due Diligence Vendor-01/23/2026 <br>Ready for Review-Document Uploaded. Please see attached Credit report copy - Seller-01/22/2026 <br>Open-Borrower 1 Credit Report is Missing. Borrower's Credit Report is missing form the loan package. Upon receipt, the credit must meet guidelines and additional conditions maybe required. - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. Please see attached Credit report copy - Seller-01/22/2026<br>| Resolved-Received Credit Report. - Due Diligence Vendor-01/23/2026<br>| Months Reserves exceed minimum required - 9 months required - have 35.48 months<br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 36.51 Required is 50 Borrower has 36.51 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7205378 |
| XXXX | XXXX | 305039313 C A | Closed | FCRE1156 | 2026-01-22 23:29 | 2026-02-05 17:52 | Resolved | 1 - Information C A | Credit | Insurance | Named Insured on Hazard Insurance does not match Borrower(s) Name(s) | Resolved-Received HOI with premium and Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Counter is not valid, Insurance does not reflect any amounts owed due to premium was already paid in full. Lender notes no change to premium amount is warranted, no indication for same policy number, same coverage, no change of effective dates and as documentation already provided shows there's no change in ownership. Please expedite this to be cleared as soon as possible <br> - Seller-02/03/2026 <br> Counter-Received revised policy reflecting vested entity as insured. HOI dec received does not reflect premium. Please provide confirmation of annual premium to confirm no changes. - Due Diligence Vendor-02/01/2026 <br> Ready for Review-Document Uploaded. Please see attached updated HOI - Seller-01/29/2026 <br> Counter-Received duplicate HOI. Name(s) Hazard insurance should be under the XXXX which is the Mortgagor/vested entity. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes the loan is in the borrower's name (Personally liable "XXXX") and only the vesting is in the XXXX name of which is 100% owned by the borrower. Due to the nature of ownership for the current vesting and the previous vesting, documentation verifies the said borrower is 100% owner of both, no changes are required for this refinance. Furthermore, XXXX is listed as the Mortgagee in the loss payee clause, along with the loan number. - Seller-01/23/2026 <br> Open-Named Insured does not match Borrower(s) Name(s) Hazard insurance should be under the XXXX which is the Mortgagor. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Counter is not valid, Insurance does not reflect any amounts owed due to premium was already paid in full. Lender notes no change to premium amount is warranted, no indication for same policy number, same coverage, no change of effective dates and as documentation already provided shows there's no change in ownership. Please expedite this to be cleared as soon as possible <br> - Seller-02/03/2026 <br> Ready for Review-Document Uploaded. Please see attached updated HOI - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. Disagree, Lender notes the loan is in the borrower's name (Personally liable "XXXX") and only the vesting is in the XXXX name of which is 100% owned by the borrower. Due to the nature of ownership for the current vesting and the previous vesting, documentation verifies the said borrower is 100% owner of both, no changes are required for this refinance. Furthermore, XXXX is listed as the Mortgagee in the loss payee clause, along with the loan number. - Seller-01/23/2026 | Resolved-Received HOI with premium and Named Insured matches Borrower(s) Name(s) - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 749. Required is 700 Borrower has 749<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7261330 |
| XXXX | XXXX | 305039313 C A | Closed | FCRE0184 | 2026-01-22 12:48 | 2026-01-26 14:16 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received business purpose affidavit confirming business use of funds. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/23/2026 <br>Open-Missing Cash-out Letter on a Business Purpose Loan. Missing cash out letter. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/23/2026<br>| Resolved-Received business purpose affidavit confirming business use of funds. - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 749. Required is 700 Borrower has 749<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7248312 |
| XXXX | XXXX | 305039313 C A | Closed | FCRE1510 | 2026-01-16 13:22 | 2026-01-26 14:14 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of Notary and signature page. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-01/23/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ------Missing Signature and Notary Page. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-01/23/2026<br>| Resolved-Received complete security instrument inclusive of Notary and signature page. - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 700 Borrower has 749. Required is 700 Borrower has 749<br>LTV is less than guideline maximum - LTV Required is 75% Borrower has 70%. Required is 75 Borrower has 70 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7142243 |
| XXXX | XXXX | 305039263 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305039229 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305039199 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051918 C B A | Closed | finding-3634 | 2026-01-28 13:22 | 2026-02-03 08:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. APP DATE XXXX, BORROWER SIGNED XXXX- URLA AND LE ATTACHED - Seller-02/02/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $XXXX(Loan Discount Fee, Mortgage Broker Fee, Underwriting Fee, Appraisal Fee , Credit Report Fee, flood, tax service) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date:XXXX. Borrower 1 application date is XXXX, missing all initial disclosures within 3 days of application date. Additional findings may apply upon receipt. <br> - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. APP DATE XXXX, BORROWER SIGNED XXXX- URLA AND LE ATTACHED - Seller-02/02/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 680 Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - DTI of 35% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.96 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7335237 |
| XXXX | XXXX | 305051918 C B A | Closed | FCOM6233 | 2026-01-28 14:23 | 2026-02-03 08:51 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing evidence required disclosure provided at application | Resolved-----Received copy of application. Finding Resolved. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. SEE ATTACHED URLA. APP DATED XXXX, BORROWER SIGNED XXXX - Seller-02/02/2026 <br> Open-Borrower 1 application date is XXXX, missing all initial disclosures within 3 days of application date. Additional findings may apply upon receipt. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. SEE ATTACHED URLA. APP DATED XXXX, BORROWER SIGNED XXXX - Seller-02/02/2026 | Resolved-----Received copy of application. Finding Resolved. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 680 Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - DTI of 35% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.96 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7336996 |
| XXXX | XXXX | 305051918 C B A | Closed | finding-3367 | 2026-01-28 13:22 | 2026-02-03 08:38 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. APP DATE XXXX, BORROWER SIGNED XXXX- URLA AND LE ATTACHED - Seller-02/02/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Borrower 1 application date is XXXX, missing all initial disclosures within 3 days of application date. Additional findings may apply upon receipt. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. APP DATE XXXX, BORROWER SIGNED XXXX- URLA AND LE ATTACHED - Seller-02/02/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 680 Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - DTI of 35% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.96 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7335236 |
| XXXX | XXXX | 305051918 C B A | Closed | finding-3635 | 2026-01-28 13:23 | 2026-02-03 08:38 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (closing protection, lender's title insurance, settlement, endorsement, e filing, recording fee) increased by $XXXX without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. Borrower 1 application date is XXXX, missing all initial disclosures within 3 days of application date. Additional findings may apply upon receipt. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 680 Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - DTI of 35% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.96 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7335241 |
| XXXX | XXXX | 305051918 C B A | Closed | finding-3515 | 2026-01-28 13:23 | 2026-02-03 08:38 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. APP DATE IS XXXX, BORROWER SIGNED XXXX- URLA & LE ATTACHED - Seller-02/02/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date 10/31/2025. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX Borrower 1 application date is XXXX, missing all initial disclosures within 3 days of application date. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. APP DATE IS XXXX, BORROWER SIGNED XXXX- URLA & LE ATTACHED - Seller-02/02/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 680 Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - DTI of 35% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.96 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7335242 |
| XXXX | XXXX | 305051918 C B A | Closed | finding-3838 | 2026-01-28 13:23 | 2026-02-03 08:38 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. APP DATE IS XXXX, BORROWER SIGNED XXXX- URLA ATTACHED - Seller-02/02/2026 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). -----Borrower 1 application date is XXXX, missing all initial disclosures within 3 days of application date. Additional findings may apply upon receipt. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. APP DATE IS XXXX, BORROWER SIGNED XXXX- URLA ATTACHED - Seller-02/02/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 680 Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - DTI of 35% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.96 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7335248 |
| XXXX | XXXX | 305051918 C B A | Closed | FCOM1302 | 2026-01-28 12:29 | 2026-01-28 14:06 | Waived | 2 - Non-Material B | Compliance | Disclosure | Home Loan Toolkit Not Provided Within 3 Days of Application Date | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '66'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026 |  | Waived-The Home Loan Toolkit was not provided within 3 days of the Application Date (Number of Days Difference is '66'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-01/28/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 703 which exceeds the minimum of 680 Required is 680 Borrower has 703<br>Qualifying DTI below maximum allowed - DTI of 35% is below the maximum allowed per guidelines of 50% Required is 50 Borrower has 35.96 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7334037 |
| XXXX | XXXX | 305055892 D A C | Closed | FCRE1440 | 2026-01-30 18:40 | 2026-02-17 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Client provided credit supplement reflecting 12 month pay history - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-02/13/2026 <br>Counter-Finding remains. Yes a credit supplement will be sufficient - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Hi! Will you accept a credit supplement to verify the mortgage history? - Seller-02/10/2026 <br>Counter-Finding remains..Lender provided 12 months bank statements. Per GL when mortgage is not reporting on credit, must provide VOM, in lieu of VOM borrower to provide cancelled checks or bank statements (payoff already in file) - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Housing History Does Not Meet Guideline Requirements Missing VOM for subject showing no more than 1x30x12. Must comment if balloon feature on loan. Additional findings may apply. <br> - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 <br>Ready for Review-Hi! Will you accept a credit supplement to verify the mortgage history? - Seller-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Client provided credit supplement reflecting 12 month pay history - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 729<br>LTV is less than guideline maximum - Required is 80 Borrower has 49.38<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.48 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7384356 |
| XXXX | XXXX | 305055892 D A C | Closed | FCRE1304 | 2026-01-30 18:30 | 2026-02-09 08:38 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 1 Income Trend is Decreasing | Resolved-Lender provided rebuttal. When calculating the deposits less exclusions the lender is correct. the difference is XXXX. which is a 1% decrease - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Open-Income 1 Income Trend is Decreasing Missing letter of explanation for 13% decline from the previous 12 months to the most recent 12 months. <br> - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Lender provided rebuttal. When calculating the deposits less exclusions the lender is correct. the difference is $XXXX. which is a 1% decrease - Due Diligence Vendor-02/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 729<br>LTV is less than guideline maximum - Required is 80 Borrower has 49.38<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.48 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7384082 |
| XXXX | XXXX | 305055892 D A C | Closed | FCRE1152 | 2026-01-30 18:07 | 2026-02-09 08:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Open-Missing Evidence of Property Tax Missing clarification if special taxing districts noted under Sch B Pt II No 9 are included in the taxes of XXXX. additional findings may apply. <br> - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 729<br>LTV is less than guideline maximum - Required is 80 Borrower has 49.38<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.48 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7383823 |
| XXXX | XXXX | 305055892 D A C | Closed | FPRO1257 | 2026-01-30 18:11 | 2026-02-09 08:26 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Client provided CU with a score of 1.6 - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing acceptable secondary valuation within allowable tolerance to support the appraised value. Original appraiser to address any discrepancies between the review and Original Appraisal. Additional findings may apply.<br> - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Client provided CU with a score of 1.6 - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 729<br>LTV is less than guideline maximum - Required is 80 Borrower has 49.38<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.48 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7383841 |
| XXXX | XXXX | 305055897 D B A C | Closed | FPRO1257 | 2026-02-03 07:34 | 2026-03-18 17:03 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Client provided CU with a score of 1.7 - Due Diligence Vendor-02/08/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Missing Secondary Valuation as required per guidelines. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Client provided CU with a score of 1.7 - Due Diligence Vendor-02/08/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 38.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7412622 |
| XXXX | XXXX | 305055897 D B A C | Closed | FCRE1355 | 2026-02-03 09:39 | 2026-02-13 15:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 CPA Letter Missing | Resolved-Document Uploaded. The company is that of a virtual nature. - Due Diligence Vendor-02/13/2026 <br> Counter-Finding remains...Client provided business search to clear condition. The document provided states they will help clients Hands On and run events Personal and Virutal. - Due Diligence Vendor-02/08/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Open-Borrower 2 CPA Letter Missing Missing letter from CPA stating what the affect, if any, that the move from XXXX to XXXX will have on the B2's business. Additional findings may apply after review - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Document Uploaded. The company is that of a virtual nature. - Due Diligence Vendor-02/13/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 38.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7415175 |
| XXXX | XXXX | 305055897 D B A C | Closed | finding-3634 | 2026-01-29 07:21 | 2026-02-06 09:06 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received COC XXXX, loan amount increase. Finding resolved. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -------Zero (0%) tolerance fees increased by $210.00 Loan Discount Fee without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved------Received COC XXXX, loan amount increase. Finding resolved. - Due Diligence Vendor-02/06/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 38.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7346649 |
| XXXX | XXXX | 305055897 D B A C | Closed | FCRE2371 | 2026-02-03 09:03 | 2026-02-04 15:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Received final settlement statement for XXXX - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Open-Missing Final Settlement Statement for REO 3A as reflected on Final 1003. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026<br>| Resolved-Received final settlement statement for XXXX. - Due Diligence Vendor-02/04/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 38.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7414414 |
| XXXX | XXXX | 305055897 D B A C | Closed | FCOM5135 | 2026-01-28 14:38 | 2026-01-29 08:19 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-01/29/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-01/29/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 38.57<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 731 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7337289 |
| XXXX | XXXX | 305051908 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305051993 D B A | Closed | FCRE8887 | 2026-02-09 13:05 | 2026-03-03 10:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Client provided explanation as to why CB 1003 dated after Note date. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Lender notes B2 was not able to sign a final Commercial loan application at time of loan docs being signed due to LOS SYS did not auto populate one / did not generate. The closing department generated said application to be executed after and that is way the date is XXXX, this has been reconciled now and should suffice. Please expedite this to be cleared as soon as possible - Seller-02/27/2026 <br> Counter-Received final 1003 for borrower dated XX/XX which matches note. 1003 for Coborrower is dated XXXX, provide final 1003 for CB dated XXXX - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Please see attached, Please expedite this to be cleared as soon as possible - Seller-02/24/2026 <br> Counter-Finding remains. Lender provided fully executed Initial 1003 for both borrowers, missing fully executed Final 1003 for both borrowers. final 1003 in upload for different borrower, page 145 in upload - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Both Final 1003 applications are attached one for each, B1 & B2 - Seller-02/09/2026 <br> Open-Missing final signed application for B2. - Due Diligence Vendor-02/09/2026 | Ready for Review-Lender notes B2 was not able to sign a final Commercial loan application at time of loan docs being signed due to LOS SYS did not auto populate one / did not generate. The closing department generated said application to be executed after and that is way the date is XXXX, this has been reconciled now and should suffice. Please expedite this to be cleared as soon as possible - Seller-02/27/2026 <br> Ready for Review-Document Uploaded. Please see attached, Please expedite this to be cleared as soon as possible - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. Both Final 1003 applications are attached one for each, B1 & B2 - Seller-02/09/2026 | Resolved-Client provided explanation as to why CB 1003 dated after Note date. - Due Diligence Vendor-03/03/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812 Required is 700 Borrower has 812 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7520089 |
| XXXX | XXXX | 305051993 D B A | Closed | FCRE1441 | 2026-02-09 11:18 | 2026-02-11 15:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Client Provided Approved Exception for 1X30 - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/09/2026 <br>Open-Delinquent Credit History Does Not Meet Guideline Requirements Provide proof of approved exception for 1X30 mortgage late within 12m, missing from file. (UW notes on 1008 indicate an exception for mortgage late was approved). - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/09/2026<br>| Waived-Client Provided Approved Exception for 1X30 - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 812 Required is 700 Borrower has 812 | Fico score is at least 20 points above minimum for Program<br> LTV is 5% less than guidelines | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Investor Post-Close | No | 7517131 |
| XXXX | XXXX | 305051977 C A | Closed | FCRE1506 | 2026-02-11 09:48 | 2026-04-14 17:21 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Please refer to comments and uploaded document in related finding. - Seller-02/19/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. ATR/QM Status Pending: Audit DTI 63.07% exceeds program maximum of 50%. (Audit included 2 auto loans that lender did not. No supporting docs for exclusion of these installment loans). - Due Diligence Vendor-02/11/2026 | Ready for Review-Please refer to comments and uploaded document in related finding. - Seller-02/19/2026<br>| Resolved-The Final Reviewed QM Status is acceptable or the loan is a Business Purpose loan. - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Required is 620 Borrower has 721 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7558430 |
| XXXX | XXXX | 305051977 C A | Closed | FCRE1193 | 2026-02-11 09:54 | 2026-02-20 13:23 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received credit supplement to support < 10 months remaining. Audited DTI of 48.79% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached credit supplement verifying both auto loans have less than 10 payments, hence the reason why they were not included in the DTI calculations. - Seller-02/19/2026 <br> Open-Audited DTI of 63.07% exceeds Guideline DTI of 50% Finding Added: Audit DTI 63.07% exceeds program maximum of 50%. (Lender did not include two Auto loans (XXXX XXXX & XXXX XXXX) in obligations; however file did not contained evidence to support exclusion). - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see attached credit supplement verifying both auto loans have less than 10 payments, hence the reason why they were not included in the DTI calculations. - Seller-02/19/2026<br>| Resolved-Received credit supplement to support < 10 months remaining. Audited DTI of 48.79% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/20/2026<br>| LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Required is 620 Borrower has 721 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7558647 |
| XXXX | XXXX | 305051943 D A | Closed | FCRE8611 | 2026-02-11 12:58 | 2026-02-20 16:27 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-If a borrower is primarily a wage earner and does not need to rely on the partnership income to qualify, the lender may exclude the self-employment loss entirely, per XXXX. - Due Diligence Vendor-02/20/2026 <br> Counter-XXXX states W-2 wage earner with a separate self-employment loss can often exclude the loss if they qualify solely on their base salary. The loss reported on the 1040's is substantial. Please provide the documentation to support the UW's decision to exclude the loss. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-As previously noted, XXXX permits lenders to ignore business losses shown on a borrower's tax returns when the borrower has other stable qualifying income sufficient to qualify for the mortgage. - Seller-02/18/2026 <br> Counter-Received confirmation borrower qualifying on Wage only. Missing documentation supporting exclusion off partnership (rental) losses as reflecting on 1040. Original finding remains. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-The borrower was qualified with W2/paystub wages as a Manager. XXXX permits lenders to ignore business losses shown on a borrower's tax returns when the borrower has other stable qualifying income sufficient to qualify for the mortgage. - Seller-02/12/2026 <br> Open-Provide supporting documentation and rationale for not including partnership losses claimed on 1040s. (Inclusion of losses claimed on 1040s pushes DTI over limits). - Due Diligence Vendor-02/11/2026 | Ready for Review-As previously noted, XXXX permits lenders to ignore business losses shown on a borrower's tax returns when the borrower has other stable qualifying income sufficient to qualify for the mortgage. - Seller-02/18/2026 <br>Ready for Review-The borrower was qualified with W2/paystub wages as a Manager. XXXX permits lenders to ignore business losses shown on a borrower's tax returns when the borrower has other stable qualifying income sufficient to qualify for the mortgage. - Seller-02/12/2026<br>| Resolved-If a borrower is primarily a wage earner and does not need to rely on the partnership income to qualify, the lender may exclude the self-employment loss entirely, per XXXX. - Due Diligence Vendor-02/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Required is 680 Borrower has 721<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23 Required is 50 Borrower has 39.23 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7563559 |
| XXXX | XXXX | 305051943 D A | Closed | FCRE1335 | 2026-02-11 15:06 | 2026-02-20 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-The self-employed income has been resolved. - Due Diligence Vendor-02/20/2026 <br> Counter-W-2's provided, transcripts are not required. Transcripts may need to be provided pending the resolution of the self employment income loss. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-As previously noted, XXXX permits lenders to ignore business losses shown on a borrower's tax returns when the borrower has other stable qualifying income sufficient to qualify for the mortgage. - Seller-02/18/2026 <br> Counter-Received 4506 C for 1040s. Pending confirmation and rationale of not using partnership losses. Original finding remains. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026 <br> Open-Borrower 1 IRS Transcripts Missing IRS Transcripts Missing - Due Diligence Vendor-02/11/2026 | Ready for Review-As previously noted, XXXX permits lenders to ignore business losses shown on a borrower's tax returns when the borrower has other stable qualifying income sufficient to qualify for the mortgage. - Seller-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026 | Resolved-The self-employed income has been resolved. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Required is 680 Borrower has 721<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23 Required is 50 Borrower has 39.23 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7566625 |
| XXXX | XXXX | 305051943 D A | Closed | FCRE1198 | 2026-02-11 13:05 | 2026-02-19 15:18 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Upon further review, XXXX account is an authorized user only and has been excluded. Audited Reserves of 10.3 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached and note, the borrower is an Authorized User on the XXXX account XXXX. - Seller-02/18/2026 <br> Counter-Received credit refresh reflecting only 1 open XXXX monthly. Missing corrected final 1003 reflecting XXXX open reflecting zero balance. Currently reflects XXXX from original credit report. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. According to the attached Credit refresh, the 30-day XXXX balance was XXXX. The delivered loan file included sufficient assets to support the required 3-months in reserves totaling XXXX, the CTC totaling XXXX and the payoff of the 30-day XXXX balance of XXXX, leaving a surplus in assets of approximately XXXX. - Seller-02/12/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Provide additional assets to meet reserve requirements. (Reducing assets by 2 XXXX Open accounts results in reserves shortage). - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Please see attached and note, the borrower is an Authorized User on the XXXX account XXXX. - Seller-02/18/2026 <br> Ready for Review-Document Uploaded. According to the attached Credit refresh, the 30-day XXXX balance was XXXX. The delivered loan file included sufficient assets to support the required 3-months in reserves totaling XXXX, the CTC totaling XXXX and the payoff of the 30-day XXXX balance of XXXX, leaving a surplus in assets of approximately XXXX. - Seller-02/12/2026 | Resolved-Upon further review, XXXX account is an authorized user only and has been excluded. Audited Reserves of 10.3 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-02/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Required is 680 Borrower has 721<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23 Required is 50 Borrower has 39.23 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7563708 |
| XXXX | XXXX | 305051943 D A | Closed | FCRE1324 | 2026-02-11 11:43 | 2026-02-19 15:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Tax Returns Not Signed | Resolved-Received 4506 C in lieu of signed tax returns. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Per XXXX, if the income from the tax return is not used to qualify, XXXX does not require signing the tax return—because no return is needed. As such, the tax returns do not need to be signed. - Seller-02/12/2026 <br> Open-Borrower 1 Tax Returns Not Signed Provide signed XXXX 1040s. - Due Diligence Vendor-02/11/2026 | Ready for Review-Per XXXX, if the income from the tax return is not used to qualify, XXXX does not require signing the tax return—because no return is needed. As such, the tax returns do not need to be signed. - Seller-02/12/2026 | Resolved-Received 4506 C in lieu of signed tax returns. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 721 Required is 680 Borrower has 721<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.23 Required is 50 Borrower has 39.23 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7561880 |
| XXXX | XXXX | 305051938 D A | Closed | FCRE1202 | 2026-02-11 19:09 | 2026-02-18 16:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Received Fraud Report with all participants. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/17/2026 <br> Counter-Finding remains. DV provided, missing Title Co and Title Agent. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026 <br> Open-Third Party Fraud Report Partially Provided The seller's name has not been ran through XXXX or against Third Party Exclusionary lists. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/12/2026<br>| Resolved-Received Fraud Report with all participants. - Due Diligence Vendor-02/18/2026<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years<br> Residual Income =/> 1.5 times $XXXX monthly residual income - Residual Income =/> 1.5 times $XXXX monthly residual income - Qualifying residual $XXXX; minimum required NONE<br> Months Reserves exceed minimum required - 6 months of reserves required, 38 months verified. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7572818 |
| XXXX | XXXX | 305051938 D A | Closed | FCRE1510 | 2026-02-09 15:57 | 2026-02-17 07:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided Ex A legal description - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to pages 676-692 and attached herein. - Seller-02/12/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing Ex A; Legal (not in closing package) - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to pages 676-692 and attached herein. - Seller-02/12/2026<br>| Resolved-Client provided Ex A legal description - Due Diligence Vendor-02/17/2026<br>| Verified employment history exceeds guidelines - Verified employment history exceeds guidelines – Employed 9+ Years – Minimum = 2 Years<br> Residual Income =/> 1.5 times $XXXX monthly residual income - Residual Income =/> 1.5 times $XXXX monthly residual income - Qualifying residual $XXXX; minimum required NONE<br> Months Reserves exceed minimum required - 6 months of reserves required, 38 months verified. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7523945 |
| XXXX | XXXX | 305051991 C B A | Closed | FCRE0138 | 2026-02-12 00:47 | 2026-02-25 11:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Cash out is more than the maximum allowed per LTV guidelines | Waived-Originator provided a waiver for cash proceeds of XXXX > XXXX allowed, applied to non material finding with comp factors - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached exception allowing the borrower to receive more than XXXX at closing - Seller-02/20/2026 <br> Counter-Received rebuttal confirming max cash in hand is XXXX. Original finding remains. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Per the Velvet XXXX DSCR Product Matrix – Product Overlays, the program guidelines state:<br>Maximum Cash-Out: $XXXX<br>Maximum Cash-In-Hand: $XXXX<br>The Closing Disclosure reflects cash to borrower of XXXX, which exceeds the XXXX Cash-In-Hand overlay by XXXX.<br>While the variance is minimal and immaterial, it does technically exceed the stated Maximum Cash-In-Hand limit by XXXX. However, the loan remains compliant with the Maximum Cash-Out limit of XXXX per the matrix.<br>Given the nominal overage amount, this appears to be a minor tolerance variance rather than a material guideline breach. Please clear this finding. - Seller-02/12/2026 <br> Open-Cash Out amount over XXXX Per CD Borrower received XXXX ,and exceeds the max allowed of XXXX cash back. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached exception allowing the borrower to receive more than $XXXX at closing - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. Per the Velvet XXXX DSCR Product Matrix – Product Overlays, the program guidelines state:<br>Maximum Cash-Out: $2,500,000<br>Maximum Cash-In-Hand: $500,000<br>The Closing Disclosure reflects cash to borrower of XXXX, which exceeds the XXXX Cash-In-Hand overlay by XXXX.<br>While the variance is minimal and immaterial, it does technically exceed the stated Maximum Cash-In-Hand limit by XXXX. However, the loan remains compliant with the Maximum Cash-Out limit of XXXX per the matrix.<br>Given the nominal overage amount, this appears to be a minor tolerance variance rather than a material guideline breach. Please clear this finding. - Seller-02/12/2026 | Waived-Originator provided a waiver for cash proceeds of $$XXXX > $XXXX allowed, applied to non material finding with comp factors - Due Diligence Vendor-02/25/2026 | LTV is less than guideline maximum - Required is 75 Borrower has 60.82 Required is 75 Borrower has 60.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 754 Required is 680 Borrower has 754 | FICO: 20pts above minimum<br> CLT 5% less than Max allowed | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7575309 |
| XXXX | XXXX | 305051940 C A | Closed | FCRE1510 | 2026-02-10 14:31 | 2026-02-17 16:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/12/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/12/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.8<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 742 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7543553 |
| XXXX | XXXX | 305051967 C A | Closed | FCRE1506 | 2026-02-12 11:04 | 2026-02-20 13:38 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Credit finding has been resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. A copy of the Solar Lease Agreement has been provided. The lease document confirms the system was fully paid by the seller under a 20-year lease term ending in XXXX.<br> Additionally, the Title Supplemental Report states that Items 9 and 10 (referencing the interest of XXXX and XXXX) will not appear on the Final Title Policy when issued. This confirms there will be no outstanding solar lien or obligation affecting the buyer.<br> Per the purchase contract and supporting title documentation:<br> • The buyer is not obligated on any solar lease or payment.<br> • There is no transfer of lease obligation to the buyer.<br> • The solar system remains subject to the original lease terms and does not transfer ownership to the buyer at lease end.<br> This documentation supports our original response and confirms there is no solar obligation impacting the borrower.<br> Please clear this finding.<br> - Seller-02/19/2026 <br> Counter-Pending confirmation solar lease is paid in full. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached Solar Lease Document stating Fully paid for 20 years lease concluding in XXXX. At the end of the lease , buyer does not own the solar system. Please clear this finding. - Seller-02/13/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Upon receipt of proof if the Solar Lease has ended or that the Borrower has taken over the Solar Lease payments, at that time then the ATR/QM can be determined. Upon receipt of the information, additional conditions maybe required and ATR/QM can be determined. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. A copy of the Solar Lease Agreement has been provided. The lease document confirms the system was fully paid by the seller under a 20-year lease term ending in XXXX.<br> Additionally, the Title Supplemental Report states that Items 9 and 10 (referencing the interest of XXXX and XXXX) will not appear on the Final Title Policy when issued. This confirms there will be no outstanding solar lien or obligation affecting the buyer.<br> Per the purchase contract and supporting title documentation:<br> • The buyer is not obligated on any solar lease or payment.<br> • There is no transfer of lease obligation to the buyer.<br> • The solar system remains subject to the original lease terms and does not transfer ownership to the buyer at lease end.<br> This documentation supports our original response and confirms there is no solar obligation impacting the borrower.<br> Please clear this finding.<br> - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Document Uploaded. Please see attached Solar Lease Document stating Fully paid for 20 years lease concluding in March 2032. At the end of the lease , buyer does not own the solar system. Please clear this finding. - Seller-02/13/2026 | Resolved-Credit finding has been resolved. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 45 Borrower has 17.09 Required is 45 Borrower has 17.09<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 749 Required is 680 Borrower has 749 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7585103 |
| XXXX | XXXX | 305051967 C A | Closed | FCRE1505 | 2026-02-12 11:02 | 2026-02-20 13:36 | Resolved | 1 - Information C A | Credit | Eligibility | Tradelines do not meet Guideline Requirements | Resolved-Received confirmation, solar is released/paid. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. A copy of the Solar Lease Agreement has been provided. The lease document confirms the system was fully paid by the seller under a 20-year lease term ending inXXXX.<br> Additionally, the Title Supplemental Report states that Items 9 and 10 (referencing the interest of XXXX and XXXX) will not appear on the Final Title Policy when issued. This confirms there will be no outstanding solar lien or obligation affecting the buyer.<br> Per the purchase contract and supporting title documentation:<br> • The buyer is not obligated on any solar lease or payment.<br> • There is no transfer of lease obligation to the buyer.<br> • The solar system remains subject to the original lease terms and does not transfer ownership to the buyer at lease end.<br> This documentation supports our original response and confirms there is no solar obligation impacting the borrower.<br> Please clear this finding.<br> - Seller-02/19/2026 <br> Counter-Received solar addendum page from purchase contract. Missing confirmation lease is paid in full. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached Solar Lease Document stating Fully paid for 20 years lease concluding in XXXX. At the end of the lease , buyer does not own the solar system. Please clear this finding. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Solar Lease Document stating Fully paid for 20 years lease concluding in XXXX. At the end of the lease , buyer does not own the solar system. Please clear this finding. - Seller-02/13/2026 <br> Open-The Tradelines for the borrower(s) do not meet the guideline requirements. Missing proof that the Solar Lease that the Seller(s) had was paid in full & satisfied by the Sellers or that the Borrower has taken over the remaining Lease. If the Borrower has taken over the Solar Lease, the payment must be included into the DTI. Upon receipt, additional conditions maybe required. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. A copy of the Solar Lease Agreement has been provided. The lease document confirms the system was fully paid by the seller under a 20-year lease term ending in XXXX.<br> Additionally, the Title Supplemental Report states that Items 9 and 10 (referencing the interest of XXXX and XXXX) will not appear on the Final Title Policy when issued. This confirms there will be no outstanding solar lien or obligation affecting the buyer.<br> Per the purchase contract and supporting title documentation:<br> • The buyer is not obligated on any solar lease or payment.<br> • There is no transfer of lease obligation to the buyer.<br> • The solar system remains subject to the original lease terms and does not transfer ownership to the buyer at lease end.<br> This documentation supports our original response and confirms there is no solar obligation impacting the borrower.<br> Please clear this finding.<br> - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached Solar Lease Document stating Fully paid for 20 years lease concluding in XXXX. At the end of the lease , buyer does not own the solar system. Please clear this finding. - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. Please see attached Solar Lease Document stating Fully paid for 20 years lease concluding in XXXX. At the end of the lease , buyer does not own the solar system. Please clear this finding. - Seller-02/13/2026 | Resolved-Received confirmation, solar is released/paid. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Max DTI is 45 Borrower has 17.09 Required is 45 Borrower has 17.09<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 680 Borrower has 749 Required is 680 Borrower has 749 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7585058 |
| XXXX | XXXX | 305055939 C A | Closed | FCOM3605 | 2026-02-09 11:13 | 2026-02-19 08:51 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved------Received initial CD XXXX. Finding Resolved. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Open-Missing initial CD acknowledged by borrower a minimum of 3 days prior to consummation. Additional findings may apply upon receipt. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved------Received initial CD XXXX. Finding Resolved. - Due Diligence Vendor-02/19/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.59<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 761<br>LTV is less than guideline maximum - Required is 85 Borrower has 80 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7516871 |
| XXXX | XXXX | 305055932 C B A | Closed | FCRE5790 | 2026-02-14 11:55 | 2026-03-02 09:44 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-UDM provides dated after close. Supplement to show XXXX vacation is current at close. - Due Diligence Vendor-03/02/2026 <br> Counter-Credit Supplement provided. Please provide the Gap Report dated within 10 days. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. There is a credit supplement in the file verifying the borrower was paid current at closing. I've attached it here again. - Seller-02/24/2026 <br> Counter-Received UDM. UMD confirm XXXX is 60 days delinquent at time of close. Review of guideline- XXXX Past Due Accounts-Consumer debts must be no more than 30 days past due at the time of closing.<br> - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). 12 days old - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. There is a credit supplement in the file verifying the borrower was paid current at closing. I've attached it here again. - Seller-02/24/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-UDM provides dated after close. Supplement to show XXXX vacation is current at close. - Due Diligence Vendor-03/02/2026 | Qualifying DTI below maximum allowed - Required is 43 Borrower has 13.4<br> Residual Income =/> 1.5 times $XXXX monthly residual income - $XXXX in residual income exceeds $XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7622601 |
| XXXX | XXXX | 305055932 C B A | Closed | FCRE0197 | 2026-02-14 12:01 | 2026-02-19 17:10 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final SELLER CD/HUD. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-The Final SELLER CD/HUD is missing. - Due Diligence Vendor-02/14/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received Final SELLER CD/HUD. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 13.4<br> Residual Income =/> 1.5 times $XXXX monthly residual income - $XXXX in residual income exceeds $XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7622616 |
| XXXX | XXXX | 305055932 C B A | Closed | finding-3352 | 2026-02-09 10:54 | 2026-02-18 10:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Loan has full appraisal and escrows. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Missing initial CD in file. Unable to test properly. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Loan has full appraisal and escrows. - Due Diligence Vendor-02/18/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 13.4<br> Residual Income =/> 1.5 times $XXXX monthly residual income - $XXXX in residual income exceeds $XXXX |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7516480 |
| XXXX | XXXX | 305055932 C B A | Closed | FCRE1182 | 2026-02-14 12:10 | 2026-02-17 08:36 | Waived | 2 - Non-Material B | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-02/17/2026 <br>Open-Missing Approval/Underwriting Summary - Due Diligence Vendor-02/14/2026 |  | Waived-Originator waiver applied to non material finding - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 43 Borrower has 13.4<br> Residual Income =/> 1.5 times $XXXX monthly residual income - $XXXX in residual income exceeds $XXXX |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7622630 |
| XXXX | XXXX | 305055923 C B A | Closed | FCRE1254 | 2026-02-18 06:08 | 2026-02-20 13:44 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Title Supplement with corrected loan amount. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-Property Title Issue There is no title insurance and no escrow instructions showing intent to cover the loan amount - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received Title Supplement with corrected loan amount. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 755 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7672509 |
| XXXX | XXXX | 305055923 C B A | Closed | finding-3532 | 2026-02-09 10:54 | 2026-02-19 08:27 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Received Disclosure Tracking for confirmation of receipt date. Finding Resolved. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. initial cd rec XXXX please see attached disclosure tracking - Seller-02/18/2026 <br> Open-This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §1026.19(f)(1)(ii))The initial closing disclosure delivery date is provided and the initial closing disclosure method of delivery is marked as either:"XXXX First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of XXXX is less than three business days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. initial cd rec XXXX please see attached disclosure tracking - Seller-02/18/2026 | Resolved------Received Disclosure Tracking for confirmation of receipt date. Finding Resolved. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 755 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7516494 |
| XXXX | XXXX | 305055923 C B A | Closed | FCOM5135 | 2026-02-09 10:26 | 2026-02-09 10:26 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/09/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/09/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.08<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 755 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7515857 |
| XXXX | XXXX | 305051952 C A | Closed | FCRE0179 | 2026-02-12 14:59 | 2026-02-17 16:15 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received 1008 with Underwriter Condo Attestation. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Upon review of the project and completed Condominium Limited Review, the subject project meets agency requirements for a warrantable condominium.<br>The limited review confirmed the project satisfies eligibility criteria, including but not limited to:<br>Project is not a condotel or operated as a hotel<br>No mandatory rental pooling arrangements<br>No excessive commercial space<br>No single-entity ownership concentration exceeding agency limits<br>HOA is operating with an adequate budget and no material litigation impacting project eligibility<br>Based on the completed limited review analysis, the project is classified as warrantable, and the loan meets eligibility requirements. Please clear this finding. - Seller-02/13/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. Missing declaration of condo warrantability-tape notes condo as non-warrantable. Non-warrantable condos are ineligible. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Upon review of the project and completed Condominium Limited Review, the subject project meets agency requirements for a warrantable condominium.<br>The limited review confirmed the project satisfies eligibility criteria, including but not limited to:<br>Project is not a condotel or operated as a hotel<br>No mandatory rental pooling arrangements<br>No excessive commercial space<br>No single-entity ownership concentration exceeding agency limits<br>HOA is operating with an adequate budget and no material litigation impacting project eligibility<br>Based on the completed limited review analysis, the project is classified as warrantable, and the loan meets eligibility requirements. Please clear this finding. - Seller-02/13/2026<br>| Resolved-Received 1008 with Underwriter Condo Attestation. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.74<br>LTV is less than guideline maximum - Required is 85 Borrower has 75<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 707 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7590268 |
| XXXX | XXXX | 305052017 C A | Closed | FCRE1440 | 2026-02-12 14:07 | 2026-02-25 14:29 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received LOX from borrower attesting the property is free and clear, and the property profile shows the last financing was obtained in XXXX and was a 10 year mortgage - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Documentation has been provided to show the UW confirmed the property is Free and Clear. The borrower provided a signed LOE explaining the property is Free and Clear, and the property profile shows the last financing was obtained in XXXX and was a 10 year mortgage. The request for additional documentation is not required as there is no information in the file to contradict that the property is Free and Clear. Can this finding please be cleared? - Seller-02/25/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Please read the provided documentation, Lender notes documentation provided supports free and clear status for property in question of Primary home, which is sufficient and no further documentation is required. Please expedite this to be cleared as soon as possible - Seller-02/25/2026 <br> Counter-Received Property profile. Unable to confirm property is free and clear. provide Mortgage release, Satisfaction of mortgage or deed reconveyance. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached property profile reflects no Mtg tied to Primary home. Last Mtg was in XXXX for a 10 year term - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. Not a valid finding, there is no indication that a mortgage is tied to Primary home, and cannot produce any other docs than what has been provided. Please expedite this to be cleared as soon as possible - Seller-02/19/2026 <br> Counter-Taxes and Detail by entity name provided. Please provide the documentation to support the primary residence is free and clear. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Lender notes the primary is owned free and clear of mortgages by the borrower and meets DSCR guideline 6.7 – 6.8 Housing History. Borrowers who own their primary residence or any other property free and clear for a minimum of 12 months are acceptable - Seller-02/13/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Provide evidence primary property is free/clear, no mortgages on credit and not listed on fraud report. Additional findings may apply. - Due Diligence Vendor-02/12/2026 | Ready for Review-Documentation has been provided to show the UW confirmed the property is Free and Clear. The borrower provided a signed LOE explaining the property is Free and Clear, and the property profile shows the last financing was obtained in XXXX and was a 10 year mortgage. The request for additional documentation is not required as there is no information in the file to contradict that the property is Free and Clear. Can this finding please be cleared? - Seller-02/25/2026 <br> Ready for Review-Please escalate this matter for manager review as TPR counters are looping without resolution. Please read the provided documentation, Lender notes documentation provided supports free and clear status for property in question of Primary home, which is sufficient and no further documentation is required. Please expedite this to be cleared as soon as possible - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached property profile reflects no Mtg tied to Primary home. Last Mtg was in XXXX for a 10 year term - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. Not a valid finding, there is no indication that a mortgage is tied to Primary home, and cannot produce any other docs than what has been provided. Please expedite this to be cleared as soon as possible - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. Lender notes the primary is owned free and clear of mortgages by the borrower and meets DSCR guideline 6.7 – 6.8 Housing History. Borrowers who own their primary residence or any other property free and clear for a minimum of 12 months are acceptable - Seller-02/13/2026 | Resolved-Received LOX from borrower attesting the property is free and clear, and the property profile shows the last financing was obtained in XXXX and was a 10 year mortgage - Due Diligence Vendor-02/25/2026 | LTV is less than guideline maximum - Required is 85 Borrower has 80 Required is 85 Borrower has 80<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 785 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7589083 |
| XXXX | XXXX | 305051930 C A | Closed | FCRE0179 | 2026-02-12 15:09 | 2026-02-19 15:37 | Resolved | 1 - Information C A | Credit | Eligibility | UW Attestation/Docs stating warrantability are missing | Resolved-Received revised 1008 with UW attestation. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/18/2026 <br>Counter-Received 1008 reflecting Limited Review. Please provide 1008 without income and dti reflecting Limited Review Type Q. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/13/2026 <br>Open-UW Attestation/Docs stating warrantability are missing. UW Attestation/Docs stating warrantability are missing. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/13/2026<br>| Resolved-Received revised 1008 with UW attestation. - Due Diligence Vendor-02/19/2026<br>| LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 640 Borrower has 789<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.061 Required is 0.75 Borrower has 1.061 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7590839 |
| XXXX | XXXX | 305051963 C A | Closed | FCRE0185 | 2026-02-12 17:18 | 2026-03-02 10:07 | Resolved | 1 - Information C A | Credit | Eligibility | Loan missing Desk Review as required per Guidelines | Resolved-Client provided CDA that supports value - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Please see attached CDA showing a CDA value of XXXX with a XXXX score and CDA Value to Appraisal Value of 0.0%. Please clear this finding. - Seller-02/26/2026 <br> Counter-As noted in Lender response " confidence score within 90%". - Review of guidelines indicate : An enhanced desk review product from one of the following choices:<br> • CDA from XXXX • ARA from XXXX. In this case because our AVM is not within 90% confidence score- we are left with one of the following options per guideline: An enhanced desk review, field review, or second appraisal - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Per DSCR program guidelines, the AVM must include an FSD/confidence score within 90%. The AVM obtained reflects:<br>Confidence Score: 75%<br>AVM Estimated Value: XXXX (effective XXXX)<br>The appraisal in file reflects:<br>Appraised Value: XXXX (effective XXXX)<br>The AVM value exceeds the appraised value by XXXX, thereby supporting the concluded appraised value and presenting no increased collateral risk.<br>Additionally, the DSCR guide states:<br>If the AVM or enhanced desk review reflects a value more than 10% below the appraised value or cannot provide a validation, the file must include either a field review or a second appraisal.<br>In this case:<br>The AVM value is not below the appraised value.<br>The AVM does not reflect a variance exceeding 10% below the appraised value.<br>The AVM provides value support rather than a deficiency.<br>Therefore, the condition requiring a Desk Review is not supported by the program guidelines, as the triggering threshold (value more than 10% below appraisal or inability to validate) has not been met.<br>Given that the AVM supports the appraised value and does not create additional valuation risk, we respectfully request this finding be cleared without requiring a Desk Review.<br>- Seller-02/25/2026 <br> Counter-AVM provided does not meet the 90% Confidence score. Please provide a Desk Review. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached AVM. Clear AVM Estimate as of XX/XX/XX shows $XXXX which is higher than Appraised Value of $XXX as of XX/XX/XX. No issues found. - Seller-02/19/2026 <br> Open-Provide AVM, enhanced desk review, field review, or second appraisal due to an LCA score under 2.5 - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached CDA showing a CDA value of XXXX with a XXXX score and CDA Value to Appraisal Value of 0.0%. Please clear this finding. - Seller-02/26/2026 <br> Ready for Review-Per DSCR program guidelines, the AVM must include an FSD/confidence score within 90%. The AVM obtained reflects:<br>Confidence Score: 75%<br>AVM Estimated Value: XXXX (effective XXXX)<br>The appraisal in file reflects:<br>Appraised Value:XXXX (effective XXXX)<br>The AVM value exceeds the appraised value by XXXX, thereby supporting the concluded appraised value and presenting no increased collateral risk.<br>Additionally, the DSCR guide states:<br>If the AVM or enhanced desk review reflects a value more than 10% below the appraised value or cannot provide a validation, the file must include either a field review or a second appraisal.<br>In this case:<br>The AVM value is not below the appraised value.<br>The AVM does not reflect a variance exceeding 10% below the appraised value.<br>The AVM provides value support rather than a deficiency.<br>Therefore, the condition requiring a Desk Review is not supported by the program guidelines, as the triggering threshold (value more than 10% below appraisal or inability to validate) has not been met.<br>Given that the AVM supports the appraised value and does not create additional valuation risk, we respectfully request this finding be cleared without requiring a Desk Review.<br>- Seller-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached AVM. Clear AVM Estimate as of XX/XX/XX shows $XXXX which is higher than Appraised Value of $XXXX as of XX/XX/XX. No issues found. - Seller-02/19/2026 | Resolved-Client provided CDA that supports value - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 686<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 53 Months Required = 12 months<br>Long term residence - Long Term Residence = 6+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7595121 |
| XXXX | XXXX | 305051963 C A | Closed | FCRE1236 | 2026-02-12 17:16 | 2026-02-18 13:31 | Resolved | 1 - Information C A | Credit | Eligibility | Occupancy Not Allowed | Resolved-Received revised appraisal. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached Appraisal Report. Subj Property is tenant occupied. Please clear this finding. - Seller-02/13/2026 <br>Open-Appraisal shows as owner occupied. Please provide proof this is tenant occupied - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached Appraisal Report. Subj Property is tenant occupied. Please clear this finding. - Seller-02/13/2026<br>| Resolved-Received revised appraisal. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 686<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 53 Months Required = 12 months<br>Long term residence - Long Term Residence = 6+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7595115 |
| XXXX | XXXX | 305051963 C A | Closed | FCRE1205 | 2026-02-12 17:36 | 2026-02-18 13:29 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-Received Fraud Report w/XXXX Check Completed and Cleared - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached LPA report- Appraiser and Appraisal Company show no matches found, Please clear this finding. - Seller-02/13/2026 <br> Open-XXXX Check Not Completed and/or Cleared Appraiser and appraisal company to be added to interested parties and XXXX. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached LPA report- Appraiser and Appraisal Company show no matches found, Please clear this finding. - Seller-02/13/2026<br>| Resolved-Received Fraud Report w/XXXX Check Completed and Cleared - Due Diligence Vendor-02/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 686<br>On time mortgage history exceeds guideline requirement - On Time Mortgage History = 53 Months Required = 12 months<br>Long term residence - Long Term Residence = 6+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7595526 |
| XXXX | XXXX | 305051942 D A | Closed | FCRE1254 | 2026-02-12 16:31 | 2026-02-19 14:07 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation from title items are removed. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached items to be removed per Title - Seller-02/13/2026 <br>Open-Property Title Issue Verify #7 and #8 on Schedule B part 1 are satisfied - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached items to be removed per Title - Seller-02/13/2026<br>| Resolved-Received confirmation from title items are removed. - Due Diligence Vendor-02/19/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 70 Borrower has 50<br>Long term residence - Long Term Residence = 20+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7593494 |
| XXXX | XXXX | 305051942 D A | Closed | FCRE6019 | 2026-02-13 12:31 | 2026-02-18 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received Borrower Citizenship Documentation. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Lender notes the borrowers are qualifying as Foreign Nationals. Please see attached - Seller-02/13/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing a copy of each borrowers valid Visa - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Lender notes the borrowers are qualifying as Foreign Nationals. Please see attached - Seller-02/13/2026<br>| Resolved-Received Borrower Citizenship Documentation. - Due Diligence Vendor-02/18/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 70 Borrower has 50<br>Long term residence - Long Term Residence = 20+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7612360 |
| XXXX | XXXX | 305051942 D A | Closed | FCRE0197 | 2026-02-12 17:28 | 2026-02-18 13:40 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received Final SELLER CD/HUD. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/14/2026 <br>Open-The Final SELLER CD/HUD is missing. The Final SELLER CD/HUD is missing - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/14/2026<br>| Resolved-Received Final SELLER CD/HUD. - Due Diligence Vendor-02/18/2026<br>| LTV is less than guideline maximum - LTV is less than guideline maximum Required is 70 Borrower has 50<br>Long term residence - Long Term Residence = 20+ years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7595468 |
| XXXX | XXXX | 305051935 D A | Closed | FCRE7806 | 2026-02-13 10:21 | 2026-02-23 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received required income/employment verification. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Please see attached XXXX. 1 year's P&L = $XXXX /12 mo, which supports the $XXXX monthly income, CPA letter verifying required status for XXXX.. all income docs used to verify income. Please expedite this to be cleared as soon as possible - Seller-02/19/2026 <br> Counter-It appears we are missing Missing the Business documents for XXXX and income worksheet. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Lender notes the loan product used to qualify does not require bank statements for LTV at 65%. Please see XXXX Guideline sect. 9.3 - If LTV /CLTV is 65% or LOWER, assets not required to be verified. Please expedite this to be cleared as soon as possible - Seller-02/17/2026 <br> Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Missing the Business documents for XXXX. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please escalate this matter for manager review as TPR counters are looping without resolution. Please see attached XXXX. 1 year's P&L = XXXX /12 mo, which supports the XXXX monthly income, CPA letter verifying required status forXXXX. all income docs used to verify income. Please expedite this to be cleared as soon as possible - Seller-02/19/2026 <br> Ready for Review-Lender notes the loan product used to qualify does not require bank statements for LTV at 65%. Please see XXXX Guideline sect. 9.3 - If LTV /CLTV is 65% or LOWER, assets not required to be verified. Please expedite this to be cleared as soon as possible - Seller-02/17/2026 | Resolved-Received required income/employment verification. - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 762 Required is 660 Borrower has 762<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 59.78 Required is 80 Borrower has 59.78 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7608608 |
| XXXX | XXXX | 305051935 D A | Closed | FCRE7497 | 2026-02-13 10:20 | 2026-02-23 14:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received taxes and insurance for 3c. P&I was taken from the credit report. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. 3c – REO XXXX, Application date is XXXX, Credit report satisfies the rating up to Dec. XXXX, NON QM requires VOM to be current within 45 days of the loan application date, does not require the most recent XXXX Mortgage statement, See property profile shows XXXX XXXX XXXX and verifies Taxes XXXX /12 = XXXX taxes monthly, HOI XXXX /12 = XXXX= XXXX. - Seller-02/19/2026 <br> Counter-REO documentation provided for 3b,3f and 3g. It appears we are missing the PITIA for 3c (XXXX) - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. 3b - REO XXXX (PRIMARY), Please see attached HOI; <br> Lender notes re: 3c – REO XXXX, Application date is XXXX, Credit report satisfies the rating up to XXXX, NON QM requires VOM to be current within 45 days of the loan application date, does not require the most recent XXXX statement and please see attached HOI copy; <br> 3f – REO XXXX, please see attached HOI and <br> 3g – PURCHASE REO XXXX, please see attached New XXXX loan XXXX Final CD - Purchase est. Taxes $XXXX, HOI $XXXX<br> - Seller-02/17/2026 <br> Open-Missing the following from the properties: 3b missing HOI; 3c missing most recent XXXX statement and HOI; 3f missing HOI and 3g missing PITIA. Upon receipt, additional information maybe required and the loan must still qualify. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. 3c – REO XXXX, Application date is XXXX, Credit report satisfies the rating up to XXXX, NON QM requires VOM to be current within 45 days of the loan application date, does not require the most recent XXXX statement, See property profile shows XXXX XXXX XXXX and verifies Taxes XXXX /12 = XXXX taxes monthly, HOI XXXX /12 = XXXX = XXXX. - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. 3b - REO XXXX (PRIMARY), Please see attached HOI; <br> Lender notes re: 3c – REO XXXX, Application date is XXXX, Credit report satisfies the rating up to XXXX, NON QM requires VOM to be current within 45 days of the loan application date, does not require the most recent XXXX statement and please see attached HOI copy; <br> 3f – REO 1XXXX, please see attached HOI and <br> 3g – PURCHASE REO XXXX, please see attached New XXXX loan XXXX Final CD - Purchase est. Taxes XXXX, HOI XXXX <br> - Seller-02/17/2026 | Resolved-Received taxes and insurance for 3c. P&I was taken from the credit report. - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 762 Required is 660 Borrower has 762<br>LTV is less than guideline maximum - Max LTV is 80 Borrower has 59.78 Required is 80 Borrower has 59.78 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7608552 |
| XXXX | XXXX | 305051934 D A | Closed | FCRE7497 | 2026-02-13 12:23 | 2026-02-18 16:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA verification. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. Please see attached bank account activity printout as verification the HOA dues being paid by the borrower. - Seller-02/17/2026 <br>Open-Property D: Provide verification of HOA dues. (LOE in file confirming HOA dues, missing docs to verify amount). - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached bank account activity printout as verification the HOA dues being paid by the borrower. - Seller-02/17/2026<br>| Resolved-Received HOA verification. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 751<br>Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 42.42 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7612068 |
| XXXX | XXXX | 305051932 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051907 D A | Closed | FCRE7497 | 2026-02-13 17:53 | 2026-02-19 13:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received missing REO documentation. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Please see attached revised 1003, 1008 and all supporting documents for the corrections to the PITIA on all applicable REOs.<br> - Seller-02/17/2026 <br> Open-Missing the following information from the REO: 3a the Mortgage statement with the PITIA; 3d proof of the XXXX/mth being charged; 3e proof of the XXXX/mth being charged; 3i proof of the XXXX/mth being charged; 3j proof of the XXXX/mth being charged and 3l proof of the XXXX/mth being charged. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. Please see attached revised 1003, 1008 and all supporting documents for the corrections to the PITIA on all applicable REOs.<br> - Seller-02/17/2026<br>| Resolved-Received missing REO documentation. - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.28 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7619750 |
| XXXX | XXXX | 305051889 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305052023 D A | Closed | FCRE7497 | 2026-02-18 08:18 | 2026-02-23 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided documentation for XXXX, XXXX and XXXX, updated REO - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. The new XXXX mortgage for XXXX has not closed yet. Please refer to the current PITIA documents for XXXX and an LE. The final CD for XXXX and HOI for XXXX. - Seller-02/20/2026 <br> Open-1. Property 3E: Provide missing loan docs to verify total PITIA payment monthly of New XXXX Mtg as listed on 1003.<br>2. Property 3F: Provide Provide missing loan docs to verify total PITIA payment monthly of New XXXX Mtg as listed on 1003.<br>3. Property 3C: Provide missing HOI statement verifying annual premium. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see attached. The new XXXX mortgage for XXXX has not closed yet. Please refer to the current PITIA documents for XXXX and an LE. The final CD for XXXX and HOI for XXXX. - Seller-02/20/2026 | Resolved-Lender provided documentation for XXXX updated REO - Due Diligence Vendor-02/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775 Required is 660 Borrower has 775<br>LTV is less than guideline maximum - Required is 75 Borrower has 55 Required is 75 Borrower has 55<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 13.31 Required is 55 Borrower has 13.31 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7674511 |
| XXXX | XXXX | 305052023 D A | Closed | FCRE5116 | 2026-02-18 09:13 | 2026-02-23 14:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Client provided documentation for XXXX, updated REO - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. The private mortgage listed on the 1003 is one and the same as the existing mortgage for XXXX. The supporting documents for the PITIA are attached along with a revised 1003 and 1008. - Seller-02/20/2026 <br> Open-Provide verification of private mortgage listed on 1003 in 2c of XXXX with a monthly payment of XXXX. Additional conditions may apply. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. The private mortgage listed on the 1003 is one and the same as the existing mortgage for XXXX. The supporting documents for the PITIA are attached along with a revised 1003 and 1008. - Seller-02/20/2026 | Resolved-Client provided documentation for XXXX, updated REO - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 775 Required is 660 Borrower has 775<br>LTV is less than guideline maximum - Required is 75 Borrower has 55 Required is 75 Borrower has 55<br>Qualifying DTI below maximum allowed - Required is 55 Borrower has 13.31 Required is 55 Borrower has 13.31 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7675666 |
| XXXX | XXXX | 305052016 D A C | Closed | FPRO0023 | 2026-02-17 09:05 | 2026-04-15 15:24 | Resolved | 1 - Information C A | Property | Value | Primary Appraised Value exceeds Variance to Reviewed Appraised Property Value | Resolved-Received 1008 lender closed at lower BPO value. - Due Diligence Vendor-04/15/2026 <br> Ready for Review-Per XXXX DSCR guidelines, section 9.1; If the value from the BPO is more than 10% below the appraised value then the value of the BPO is used for LTV purposes. USing the XXXX value results in a 74.78 LTV, which is still within the max allowed of 75%. - Seller-02/17/2026 <br> Open-Primary Appraised Property Value To Reviewed Appraised Property Value Variance is '-10.86'. N/A - Due Diligence Vendor-02/17/2026 | Ready for Review-Per XXXX DSCR guidelines, section 9.1; If the value from the BPO is more than 10% below the appraised value then the value of the BPO is used for LTV purposes. USing the XXXX value results in a 74.78 LTV, which is still within the max allowed of 75%. - Seller-02/17/2026 | Resolved-Received 1008 lender closed at lower BPO value. - Due Diligence Vendor-04/15/2026<br>| Long term residence - Long Term Residence = 4+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 769 which exceeds the minimum of 680 Required is 680 Borrower has 769 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7651177 |
| XXXX | XXXX | 305052016 D A C | Closed | FCRE6666 | 2026-02-17 09:05 | 2026-04-15 15:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Secondary Valuation product is dated prior to the Appraisal date | Resolved-Upon further review, secondary valuation product not considered as does not support value considered in qualifying. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. If the value from the BPO is more than 10% below the appraised value then the value of the BPO is used for LTV purposes. - Seller-02/17/2026 <br>Open-One or more of the additional valuation products were completed prior to the Primary Valuation product date. N/A - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. If the value from the BPO is more than 10% below the appraised value then the value of the BPO is used for LTV purposes. - Seller-02/17/2026<br>| Resolved-Upon further review, secondary valuation product not considered as does not support value considered in qualifying. - Due Diligence Vendor-02/19/2026<br>| Long term residence - Long Term Residence = 4+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 769 which exceeds the minimum of 680 Required is 680 Borrower has 769 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7651175 |
| XXXX | XXXX | 305052016 D A C | Closed | FPRO1257 | 2026-02-17 09:05 | 2026-04-15 15:17 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Client provided PCCD, shipping label and letter to borrower. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2026 <br> Counter-The guidelines allow the lower BPO value to be used and both valuations were completed prior to the loan closing. Please upload an updated CD with the appraisal value of XXXX, along with a LOE to the borrower regarding the change to the value on the CD and shipping label. An updated 1008 with the lower value was already provided. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-We kindly disagree, we do not require an additional Appraisal Valuation as the loan qualifies using the lower Value from the Commercial BPO. The BPO was reviewed and referenced in the file prior to close. It was a clerical error in not updating the Appraised Value; however, since it was in the file prior to approval it wouldn't have a negative impact in getting this loan purchased. If anything, it will result in a Pricing implication do the data drift for the LTV, and this can be addressed with the end investor. In addition, if the BPO is more than 10% below the Appraised Value, the value from the BPO can be used without any further valuation being required. The request to obtain a Field Review/2nd Appraisal is unreasonable as it is not required per our guidelines. Can this item please be cleared? - Seller-02/24/2026 <br> Counter-Subject loan using hte appraised value of XXXX. The BPO reflects a value of XXXX fort a variance of 10.86%. Per securitization requirements due to the loan closing with the appraised value(XXXX) used to determine the LTV, a superior third party product such as a field review or full appraisal is required to support the appraised value of XXXX. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. We kindly disagree, we did not order a new valuation product to qualify. The BPO was reviewed and referenced in the file prior to close. It was a clerical error in not updating the Appraised Value; however, since it was in the file prior to approval it wouldn't have a negative impact in getting this loan purchased. If anything, it will result in a Pricing implication do the data drift for the LTV, and this can be addressed with the end investor. Can this item please be cleared? - Seller-02/20/2026 <br> Counter-Loan was approved using the higher Appraised Value of XXXX. For securitization, the lower amount cannot be used post close. Finding remains. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Per XXXX DSCR guidelines, section 9.1; If the value from the BPO is more than 10% below the appraised value then the value of the BPO is used for LTV purposes. Using the XXXX value results in a 74.78% LTV, which is still within the max allowed of 75%. A secondary valuation is not required per guidelines. - Seller-02/19/2026 <br> Counter-Received duplicate BPO does not support value used for qualification. Provide acceptable secondary valuation supporting appraisal narrative. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. The subject is a X-unit commercial property, please see attached BPO. - Seller-02/17/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. n/a - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/26/2026 <br> Ready for Review-We kindly disagree, we do not require an additional Appraisal Valuation as the loan qualifies using the lower Value from the Commercial BPO. The BPO was reviewed and referenced in the file prior to close. It was a clerical error in not updating the Appraised Value; however, since it was in the file prior to approval it wouldn't have a negative impact in getting this loan purchased. If anything, it will result in a Pricing implication do the data drift for the LTV, and this can be addressed with the end investor. In addition, if the BPO is more than 10% below the Appraised Value, the value from the BPO can be used without any further valuation being required. The request to obtain a Field Review/2nd Appraisal is unreasonable as it is not required per our guidelines. Can this item please be cleared? - Seller-02/24/2026 <br> Ready for Review-Document Uploaded. We kindly disagree, we did not order a new valuation product to qualify. The BPO was reviewed and referenced in the file prior to close. It was a clerical error in not updating the Appraised Value; however, since it was in the file prior to approval it wouldn't have a negative impact in getting this loan purchased. If anything, it will result in a Pricing implication do the data drift for the LTV, and this can be addressed with the end investor. Can this item please be cleared? - Seller-02/20/2026 <br> Ready for Review-Per XXXX DSCR guidelines, section 9.1; If the value from the BPO is more than 10% below the appraised value then the value of the BPO is used for LTV purposes. Using the XXXX value results in a 74.78% LTV, which is still within the max allowed of 75%. A secondary valuation is not required per guidelines. - Seller-02/19/2026 <br> Ready for Review-Document Uploaded. The subject is a 9-unit commercial property, please see attached BPO. - Seller-02/17/2026 | Resolved-Client provided PCCD, shipping label and letter to borrower. - Due Diligence Vendor-03/02/2026<br>| Long term residence - Long Term Residence = 4+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 769 which exceeds the minimum of 680 Required is 680 Borrower has 769 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7651174 |
| XXXX | XXXX | 305052016 D A C | Closed | FCRE1510 | 2026-02-17 08:39 | 2026-02-19 13:47 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/17/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/17/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/19/2026<br>| Long term residence - Long Term Residence = 4+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 769 which exceeds the minimum of 680 Required is 680 Borrower has 769 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7650418 |
| XXXX | XXXX | 305051947 D A | Closed | FPRO1242 | 2026-02-17 12:02 | 2026-02-20 10:43 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Received AVM. Value supported within tolerance. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/18/2026 <br>Open-Appraisal is Missing Missing the additional required valuation since one of the SSR Scores is greater than 2.5 (Only one score required, if both scores (CU & LCA) provided, both required to be 2.5 or less). When the score exceeds 2.5 or indeterminate/no score, the file must include either an AVM, enhanced desk review, field review, or second appraisal (in this order). Upon receipt additional conditions maybe required. <br>- Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/18/2026<br>| Resolved-Received AVM. Value supported within tolerance. - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - Min reserves required is 3 mths. Borrower has 76.12 months in reserves. <br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min is is 0.75 Borrower has 1.022 Required is 0.75 Borrower has 1.022 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7657560 |
| XXXX | XXXX | 305051886 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305051948 C A | Closed | FCRE0104 | 2026-02-18 09:49 | 2026-02-23 11:07 | Resolved | 1 - Information C A | Credit | Eligibility | Prepayment Penalty is not allowed | Resolved-Business purpose loan, PPP is allowed. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Not a valid finding, loan is vested into LLC. Lender notes the subject loan is a Business-Purpose type loan for an investment property, XXXX has no statute granting a right to penalty free prepayment in these categories, prepayment penalties may be allowed. Please expedite this to be cleared as soon as possible - Seller-02/19/2026 <br> Open-Prepayment Penalty is not allowed. The Prepayment Penalty does not meet the state of XXXX PPP restrictions: No Prepayment Penalty is permitted on a home loan if the Prepayment Penalty occurs more than 6 months after the Note's execution. The prepayment penalty is 5 years with 5% of the original principal balance occurring in the 1st year, 4% of the original principal balance occurring in the 2nd year, 3% of the original principal balance occurring in the 3rd year, 2% of the original principal balance occurring in the 4th year, and 1% of the original principal balance in the 5th year. - Due Diligence Vendor-02/18/2026 | Ready for Review-Not a valid finding, loan is vested into LLC. Lender notes the subject loan is a Business-Purpose type loan for an investment property, XXXX has no statute granting a right to penalty free prepayment in these categories, prepayment penalties may be allowed. Please expedite this to be cleared as soon as possible - Seller-02/19/2026 | Resolved-Business purpose loan, PPP is allowed. - Due Diligence Vendor-02/23/2026<br>| Months Reserves exceed minimum required - Min 3, actual 10.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7676461 |
| XXXX | XXXX | 305051948 C A | Closed | FCRE1254 | 2026-02-18 15:06 | 2026-02-20 13:03 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Business Documentation. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see attached Ops agreement, IRS and MEMBER of XXXX - Seller-02/19/2026 <br> Open-Property Title Issue Title currently vested in XXXX. Provide Operating agreement/business document reflecting the borrower is an owner of this company. Subject to additional conditions. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see attached Ops agreement, IRS and MEMBER of XXXX - Seller-02/19/2026 | Resolved-Received Business Documentation. - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - Min 3, actual 10.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 701 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7684296 |
| XXXX | XXXX | 305052013 C A | Closed | finding-3652 | 2026-02-12 15:06 | 2026-02-23 08:53 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. LOAN WAS LOCKED. SEE LE AND COC - Seller-02/20/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Lender credit decreased from $XXXX to $XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. LOAN WAS LOCKED. SEE LE AND COC - Seller-02/20/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.86<br>Months Reserves exceed minimum required - 27 months > 9 required |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7590781 |
| XXXX | XXXX | 305051980 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305051939 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305051972 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051887 D A | Closed | FCRE1252 | 2026-02-19 09:20 | 2026-02-26 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received documentation to support taxes are paid. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Not a valid counter to initial request and proof of payment was previously provided. Please see attached, all paid up, nothing is due XXXX - Seller-02/25/2026 <br> Counter-Received Title. Missing proof Taxes due (#7) were satisfied. CD in file did not reflect payment of delinquent tax amount. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached Title prelim with XXXX policy commitment - Seller-02/20/2026 <br> Open-Title Document is Incomplete Missing complete Title Report with all schedules and supplements along with sufficient Title Coverage for at least the total amount of the subject liens(s). - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Not a valid counter to initial request and proof of payment was previously provided. Please see attached, all paid up, nothing is due XXXX - Seller-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached Title prelim with $XXXX policy commitment - Seller-02/20/2026 | Resolved-Received documentation to support taxes are paid. - Due Diligence Vendor-02/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO is 660 Borrower has 776 Required is 720 Borrower has 776<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR % is 0 Borrower has 1.001. Required is 0 Borrower has 1.001 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7696102 |
| XXXX | XXXX | 305052027 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | XXXX | 305051902 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305051909 C B A | Closed | FCRE1200 | 2026-02-19 11:42 | 2026-02-23 13:36 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Originator provided a waiver to allow loan amount of $XXXX , applied to non material finding with comp factors - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached Approved exception to allow XXXX loan amount. - Seller-02/20/2026 <br> Open-Audited Loan Amount is less than the Guideline Minimum Loan Amount of XXXX The loan amount is less than the minimum loan amount for this program of XXXX. Upon receipt of any information, additional documentation maybe required. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached Approved exception to allow XXXX loan amount. - Seller-02/20/2026 | Waived-Originator provided a waiver to allow loan amount of XXXX , applied to non material finding with comp factors - Due Diligence Vendor-02/23/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 793 Required is 700 Borrower has 793<br>DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less. Min DSCR % is 0.75 Borrower has 1.044. Required is 0.75 Borrower has 1.044<br>LTV is less than guideline maximum - Max LTV is 85 Borrower has 80 Required is 85 Borrower has 80 | 7 years at primary<br> fico greater than 20 points<br> 0x30x24 mortgages | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | No | 7700636 |
| XXXX | XXXX | 305051936 D A | Closed | FCRE1152 | 2026-02-20 18:25 | 2026-02-24 13:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received corrected 1008 and 1003 - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see attached revised 1003 and 1008. Please note the shortage in collection will be addressed by the end investor.<br> - Seller-02/23/2026 <br> Open-Missing Evidence of Property Tax Per 1008/1003 lender utilized RE taxes of XXXX/yr (XXXX/mo). Lender to provide a tax certificate based on the newly built subject property plus 3 ADU's to support RE tax used to qualify the borrower. Additional conditions may apply. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Please see attached revised 1003 and 1008. Please note the shortage in collection will be addressed by the end investor.<br> - Seller-02/23/2026<br>| Resolved-Received corrected 1008 and 1003 - Due Diligence Vendor-02/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.81<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7732215 |
| XXXX | XXXX | 305051936 D A | Closed | FCRE7497 | 2026-02-20 21:34 | 2026-02-24 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received mtg statement re taxes. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026 <br>Open-Missing the documentation to verify housing payments for the following REOs: 3b missing the mortgage statement and 3c missing documentation of real estate taxes. Additional conditions may apply. - Due Diligence Vendor-02/21/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026<br>| Resolved-Received mtg statement re taxes. - Due Diligence Vendor-02/24/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.81<br>LTV is less than guideline maximum - Required is 80 Borrower has 70<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7734855 |
| XXXX | XXXX | 305062505 C A B | Closed | FCRE1198 | 2026-02-22 06:28 | 2026-02-26 12:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Received Gift Letter and receipt of funds. Audited Reserves of 7.19 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Gift letters had been uploaded along with Closing attorney receipt of the funds. Please review all uploaded documents before countering. Document were uploaded in related finding. - Seller-02/25/2026 <br> Counter-Received HOI coverage documentation. Received under another condition Closing attorney total receipt of XXXX. Missing verification of receipts of both gifts as required in guidelines 9.6 - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. The delivered loan file included the attached letter from Insurer stating the policy has 100% replacement cost for the subject. - Seller-02/23/2026 <br> Open-Audited Reserves of 5.14 month(s) are less than Guideline Required Reserves of 6 month(s) Provide proof of XXXX gift that was undocumented or provide proof of assets to cover reserve requirement. - Due Diligence Vendor-02/22/2026 | Ready for Review-Gift letters had been uploaded along with Closing attorney receipt of the funds. Please review all uploaded documents before countering. Document were uploaded in related finding. - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. The delivered loan file included the attached letter from Insurer stating the policy has 100% replacement cost for the subject. - Seller-02/23/2026<br>| Resolved-Received Gift Letter and receipt of funds. Audited Reserves of 7.19 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 31.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7741164 |
| XXXX | XXXX | 305062505 C A B | Closed | FCRE1491 | 2026-02-22 06:17 | 2026-02-26 12:52 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received Gift Letter and receipt of funds. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Gift letters have been uploaded along with Closing attorney receipt of the funds. Please review all uploaded documents before countering. - Seller-02/25/2026 <br> Counter-Received Closing attorney total receipt of XXXX. Missing verification of receipts of both gifts as required in guidelines 9.6 - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Gift amounts were XXXX. The final CD reflects an XXXX gift given at closing; however, the difference of XXXX is undocumented. Provide proof of additional XXXX gift from donor. - Due Diligence Vendor-02/22/2026 | Ready for Review-Gift letters have been uploaded along with Closing attorney receipt of the funds. Please review all uploaded documents before countering. - Seller-02/25/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026<br>| Resolved-Received Gift Letter and receipt of funds. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 31.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7741144 |
| XXXX | XXXX | 305062505 C A B | Closed | FCRE7009 | 2026-02-20 13:45 | 2026-02-25 12:37 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received HOI and RCE from insurer within documents under another condition. Coverage is sufficient. - Due Diligence Vendor-02/25/2026 <br> Counter-Received assets documentation. Please address original finding. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Insurance coverageXXXX; Loan Amount XXXX; Appraisal estimated cost new XXXX.<br> - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026<br>| Resolved-Received HOI and RCE from insurer within documents under another condition. Coverage is sufficient. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below maximum allowed - Required is 50.49 Borrower has 31.66<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 773 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7726921 |
| XXXX | XXXX | 305052004 D A | Closed | FCRE1202 | 2026-02-23 23:36 | 2026-03-05 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Client provided updated Fraud including B2 - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026 <br>Open-Third Party Fraud Report Partially Provided Missing Fraud Report for B2. Additional conditions may apply, pending review. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/24/2026<br>| Resolved-Client provided updated Fraud including B2 - Due Diligence Vendor-02/25/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 30.61<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7771687 |
| XXXX | XXXX | 305052004 D A | Closed | FCRE5783 | 2026-02-23 23:35 | 2026-03-05 12:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM for B2 - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. Please see attached B2 UDM updated - Seller-03/04/2026 <br>Open-Borrower 2 Gap Credit Report is Missing Missing Gap Credit/UDM for B2 - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Please see attached B2 UDM updated - Seller-03/04/2026<br>| Resolved-Received UDM for B2 - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 75 Borrower has 30.61<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.4<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 719 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7771681 |
| XXXX | XXXX | 305062507 C A | Closed | finding-3634 | 2026-02-19 14:55 | 2026-02-27 09:15 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received PCCDXXXX. Finding Resolved. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. FEES WERE IN THE WRONG BLOCK - CE PROVIDED<br> CURE OF $XXXX CAPTURED ON FINAL CD- PROVIDED - Seller-02/25/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). ----- Zero (0%) tolerance fees increased by $XXXX (Credit Report Fee) and $XXXX (Title- E-Filing Fee without a valid COC in file. Provide a valid and timely COC for increases OR evidence of refund to borrower or principal reduction in the amount of $XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. There is a lender credit fin the amount of $XXXX for fee's above legal limit on the Final Cd XXXX.<br> - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. FEES WERE IN THE WRONG BLOCK - CE PROVIDED<br> CURE OF $84 CAPTURED ON FINAL CD- PROVIDED - Seller-02/25/2026<br>| Resolved------Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-02/27/2026 | Months Reserves exceed minimum required - Min reserves required 6 mths. Borrower has 16.29 mths in reserves. <br>Qualifying DTI below maximum allowed - Max DTI is 50 Borrower has 30.48 Required is 50 Borrower has 30.48 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7705585 |
| XXXX | XXXX | 305055901 D A C | Closed | finding-3367 | 2026-02-23 12:09 | 2026-03-10 08:50 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Open-This loan failed the homeownership counseling organizations disclosure date test due to the following findings: (12 CFR §1024.20(a))The loan has a homeownership counseling organizations disclosure date that is not within three business days of the loan originator's application date (or the date creditor received application if loan originator's application date is not provided); orThe homeownership counseling organizations disclosure date is after the closing date.Not later than three business days after a lender, mortgage broker, or dealer receives an application, or information sufficient to complete an application, the lender must provide the loan applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. The list of homeownership counseling organizations distributed to each loan applicant under this section shall be obtained no earlier than 30 days prior to the time when the list is provided to the loan applicant from either:(1)The website maintained by the Bureau for lenders to use in complying with the requirements of this section; or(2)Data made available by the Bureau or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on New Year's Day (01/01/2026)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Homeownership Counseling List in file is dated XXXX and not provided to borrower within three days of application date of XXXX. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/10/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 90 Borrower has 74.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7758225 |
| XXXX | XXXX | 305055901 D A C | Closed | FCOM5135 | 2026-02-23 11:11 | 2026-03-10 08:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received client attestation to no affiliates.Finding resolved. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-Required Affiliated Business Disclosure Missing ----- Title fees are in section B and SPL not in file. Unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received client attestation to no affiliates.Finding resolved. - Due Diligence Vendor-03/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 90 Borrower has 74.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7756339 |
| XXXX | XXXX | 305055901 D A C | Closed | FCRE1510 | 2026-02-23 10:39 | 2026-03-05 14:51 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received complete security instrument inclusive of legal description - Due Diligence Vendor-03/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 38.44<br>LTV is less than guideline maximum - Required is 90 Borrower has 74.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 744 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7755287 |
| XXXX | XXXX | 305062540 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305062502 D A | Closed | FCRE5770 | 2026-02-26 12:15 | 2026-03-02 10:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Received credit report. - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2026 <br>Open-Borrower 1 Credit Report is Missing. A credit report is required for each individual borrower. The borrower's credit report is missing from the file and must be provided. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-02/27/2026<br>| Resolved-Received credit report. - Due Diligence Vendor-03/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score taken from loan approval in file. The credit report is missing from the file. Required is 660 Borrower has 743<br>LTV is less than guideline maximum - Required is 65 Borrower has 25 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7825375 |
| XXXX | XXXX | 305055900 D A C | Closed | FCRE1506 | 2026-02-27 09:36 | 2026-03-06 17:15 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Upon further review, the Tax Preparer Letter is sufficient. - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. I've attached the CPA letter in question that verifies the deposits came from an account that contains confidential information for the borrower's clients. The borrower is an attorney and is required to keep his client's confidentiality so we cannot obtain the bank statements they are asking for. <br>Is there another way to clear this condition or can it be waived entirely based on the CPA letter provided? - Seller-03/05/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. The bank statements used for qualifying mostly contains deposit transfers from a different bank account which was not obtained. The loan file contains a letter from the borrower's tax preparer stating that the client deposits are initially placed into bank account which contains private and confidential information, and those funds are subsequently transferred into the bank account used for qualifying. The additional bank statements form the additional business bank account are missing from the loan file. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. I've attached the CPA letter in question that verifies the deposits came from an account that contains confidential information for the borrower's clients. The borrower is an attorney and is required to keep his client's confidentiality so we cannot obtain the bank statements they are asking for. <br>Is there another way to clear this condition or can it be waived entirely based on the CPA letter provided? - Seller-03/05/2026<br>| Resolved-Upon further review, the Tax Preparer Letter is sufficient. - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 Required is 660 Borrower has 748 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7843713 |
| XXXX | XXXX | 305055900 D A C | Closed | FCRE1437 | 2026-02-27 08:57 | 2026-03-06 17:14 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Upon further review, the tax preparer letter is sufficient. - Due Diligence Vendor-03/06/2026 <br>Ready for Review-Document Uploaded. I've attached the CPA letter in question that verifies the deposits came from an account that contains confidential information for the borrower's clients. The borrower is an attorney and is required to keep his client's confidentiality so we cannot obtain the bank statements they are asking for. <br>Is there another way to clear this condition or can it be waived entirely based on the CPA letter provided? - Seller-03/05/2026 <br>Open-Income and Employment Do Not Meet Guidelines The bank statements used for qualifying mostly contains deposit transfers from a different bank account which was not obtained. The loan file contains a letter from the borrower's tax preparer stating that the client deposits are initially placed into bank account which contains private and confidential information, and those funds are subsequently transferred into the bank account used for qualifying. The additional bank statements form the additional business bank account are missing from the loan file. Once received and reviewed, additional findings may apply. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. I've attached the CPA letter in question that verifies the deposits came from an account that contains confidential information for the borrower's clients. The borrower is an attorney and is required to keep his client's confidentiality so we cannot obtain the bank statements they are asking for. <br>Is there another way to clear this condition or can it be waived entirely based on the CPA letter provided? - Seller-03/05/2026<br>| Resolved-Upon further review, the tax preparer letter is sufficient. - Due Diligence Vendor-03/06/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 Required is 660 Borrower has 748 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7842967 |
| XXXX | XXXX | 305055900 D A C | Closed | FCRE1510 | 2026-02-25 09:12 | 2026-03-05 08:06 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided legal description - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Client provided legal description - Due Diligence Vendor-03/05/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 Required is 660 Borrower has 748 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7796631 |
| XXXX | XXXX | 305055900 D A C | Closed | FCOM5135 | 2026-02-25 11:01 | 2026-03-04 11:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received client attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received client attestation to no affiliates. Finding resolved. - Due Diligence Vendor-03/04/2026<br>| LTV is less than guideline maximum - Required is 90 Borrower has 80 Required is 90 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 18.7<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 748 Required is 660 Borrower has 748 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7800550 |
| XXXX | XXXX | 305062152 C A | Closed | FCOM1221 | 2026-02-24 21:30 | 2026-02-25 15:32 | Resolved | 1 - Information C A | Credit | Closing | The Deed of Trust is Incomplete | Resolved-Upon further review, the borrower's signature was located in file. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-please clarify what document is missing a signature pg. - Seller-02/25/2026 <br>Open-Missing signature page - Due Diligence Vendor-02/25/2026 | Ready for Review-please clarify what document is missing a signature pg. - Seller-02/25/2026<br>| Resolved-Upon further review, the borrower's signature was located in file. - Due Diligence Vendor-02/25/2026<br>| Months Reserves exceed minimum required - 19 Months Reserves exceed 3 months minimum required<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 690 Required is 660 Borrower has 690 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7789835 |
| XXXX | XXXX | 305062495 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | XXXX | 305052015 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305051976 C A | Closed | FCRE1160 | 2026-02-27 16:13 | 2026-03-06 16:41 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Updated dec page provided. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2026 <br> Counter-Finding Remains. Property Insurance effective dates are XXXX to XXXX. Please have insurance company correct expiration date to XXXX - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Lender notes the New HOI invoice reflects the actual policy period XXXX - XXXX and Final CD verifies the New Policy term has been paid at closing. This is sufficient evidence that the new policy term is for the full year and no further documentation is required. Please expedite this to be cleared as soon as possible - Seller-02/28/2026 <br> Open-Hazard Insurance Expiration Date of XXXX is prior to or equal to the Note Date of XXXX Correct the expiration date on the HOI policy. Invoice has the correct date. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/06/2026 <br> Ready for Review-Document Uploaded. Lender notes the New HOI invoice reflects the actual policy period XXXX6-XXXX and Final CD verifies the New Policy term has been paid at closing. This is sufficient evidence that the new policy term is for the full year and no further documentation is required. Please expedite this to be cleared as soon as possible - Seller-02/28/2026 | Resolved-Updated dec page provided. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying FICO score is at least 20 points above minimum for program Required is 700 Borrower has 762<br>Months Reserves exceed minimum required - Guidelines require 6 months of reserves. The borrowers have 79.33 months of reserves. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 7851809 |
| XXXX | XXXX | 305062526 D B C A | Closed | FCRE1206 | 2026-03-02 07:49 | 2026-03-04 10:56 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. Please see attached Loan Participant Analysis Report for Appraiser, Appraisal Company, Settlement Agent and Settlement Company - No matches found. No issues found. Please clear this finding. - Seller-03/02/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Appraiser and settlement agent to be added to the loan participant list. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Please see attached Loan Participant Analysis Report for Appraiser, Appraisal Company, Settlement Agent and Settlement Company - No matches found. No issues found. Please clear this finding. - Seller-03/02/2026<br>| Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7868546 |
| XXXX | XXXX | 305062526 D B C A | Closed | finding-3635 | 2026-02-25 16:21 | 2026-03-04 10:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-INITIAL DISCLOSURES UPLOADED - Seller-03/02/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($XXXX) exceed the comparable charges ($XXX) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Missing initial LE, unable to test fee tolerance properly. Additional findings may apply upon receipt. - Due Diligence Vendor-02/25/2026 | Ready for Review-INITIAL DISCLOSURES UPLOADED - Seller-03/02/2026<br>| Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-03/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7810219 |
| XXXX | XXXX | 305062526 D B C A | Closed | finding-3634 | 2026-02-25 16:21 | 2026-03-04 10:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. INITIAL DISCLOSURES ATTACHED - Seller-03/02/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Missing initial LE dated within 3 days or application date. Additional Findings may apply upon receipt. Missing Service Provider List. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. INITIAL DISCLOSURES ATTACHED - Seller-03/02/2026<br>| Resolved-----Received initial LE XX/XX/XXX. Finding Resolved. - Due Diligence Vendor-03/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7810216 |
| XXXX | XXXX | 305062526 D B C A | Closed | finding-3515 | 2026-02-25 16:21 | 2026-03-04 10:23 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. INITIAL DISCLOSURE PACKAGE UPLOADED- APP DATE IS XXXX - Seller-03/02/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. ----- Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. statute of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. INITIAL DISCLOSURE PACKAGE UPLOADED- APP DATE IS XXXX - Seller-03/02/2026 | Resolved-----Received initial LE XXXX. Finding Resolved. - Due Diligence Vendor-03/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7810220 |
| XXXX | XXXX | 305062526 D B C A | Closed | FCOM1266 | 2026-02-25 15:28 | 2026-03-04 10:10 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-INITIAL DISCLOSURE PACKAGE UPLOADED - Seller-03/02/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX.<br> - Due Diligence Vendor-02/25/2026 | Ready for Review-INITIAL DISCLOSURE PACKAGE UPLOADED - Seller-03/02/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7808915 |
| XXXX | XXXX | 305062526 D B C A | Closed | FCOM1978 | 2026-02-25 15:29 | 2026-03-04 10:09 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved-Received Intent to proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. ITP - Seller-03/02/2026 <br>Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file.<br> - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. ITP - Seller-03/02/2026<br>| Resolved-Received Intent to proceed signed by borrower. Finding Resolved. - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7808963 |
| XXXX | XXXX | 305062526 D B C A | Closed | FCOM5135 | 2026-02-25 15:28 | 2026-02-25 15:28 | Waived | 2 - Non-Material B | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/25/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 42.32 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 7808916 |
| XXXX | XXXX | 305062541 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | XXXX | 305062465 D B C A | Closed | FCRE1491 | 2026-03-02 13:32 | 2026-03-02 17:37 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Originator exception granted to allow business funds as reserves. Non-material waiver applied with comp factors. Deemed non-material due to letter in file from borrower states it will not have negative impact and this is also a DSCR no income loan. - Due Diligence Vendor-03/02/2026 <br>Open-Asset Qualification Does Not Meet Guideline Requirements Cannot use business funds towards reserves. (Not allowed per Matrix). - Due Diligence Vendor-03/02/2026 |  | Waived-Originator exception granted to allow business funds as reserves. Non-material waiver applied with comp factors. Deemed non-material due to letter in file from borrower states it will not have negative impact and this is also a DSCR no income loan. - Due Diligence Vendor-03/02/2026<br>| Long term residence - Borrower has resided at primary residence for 9 years.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 711 Required is 680 Borrower has 711<br>On time mortgage history exceeds guideline requirement - 0x30x24 | 1. At Primary home 9 years.<br> 2. Mortgages reporting to credit paid AA last 24 months. |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 7877705 |
| XXXX | XXXX | 305062506 C A | Closed | FCRE1510 | 2026-03-02 12:23 | 2026-03-04 11:00 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Client provided Assignment of Leases and Rents Rider fully executed - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see the attached signed Closing Package. The Assignment of Leases and Rents Rider is included on pages 15 through 24 and has been fully executed. This document was previously uploaded to your system.<br> Kindly re-review the file and clear this finding. 4:55 pm XXXX<br> - Seller-03/03/2026 <br> Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Per DOT Riders, Missing the Assignment of Leases and Rents Rider; Only the Prepayment Rider was provided. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Please see the attached signed Closing Package. The Assignment of Leases and Rents Rider is included on pages 15 through 24 and has been fully executed. This document was previously uploaded to your system.<br> Kindly re-review the file and clear this finding. 4:55 pm XXXX<br> - Seller-03/03/2026 | Resolved-Client provided Assignment of Leases and Rents Rider fully executed - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 762 Required is 680 Borrower has 762<br>LTV is less than guideline maximum - Required is 75 Borrower has 30.06 Required is 75 Borrower has 30.06 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7876068 |
| XXXX | XXXX | 305062510 C A | Closed | FCRE1510 | 2026-02-26 08:20 | 2026-03-03 11:02 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/02/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attached to deed of trust. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/02/2026<br>| Resolved-Received DOT w/Legal. - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 745 which exceeds the minimum of 680 Required is 680 Borrower has 745 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7819732 |
| XXXX | XXXX | 305062509 D B A | Closed | FCOM1266 | 2026-02-27 15:16 | 2026-04-15 14:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. attached - Seller-03/04/2026 <br> Open-Homeownership Counseling Disclosure Is Missing ----- Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. attached - Seller-03/04/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/06/2026<br>| Verified employment history exceeds guidelines - The Borrower has been Self Employed for 26 years.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 726. Required is 660 Borrower has 726 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7850979 |
| XXXX | XXXX | 305062509 D B A | Closed | finding-3540 | 2026-02-27 15:49 | 2026-03-06 12:16 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. PER TRID, THE ONLY CD THAT NEEDS TO BE SIGNED IS THE CD ISSUED ON XXXX AS THE APR DID NOT INCREASE ABOVE ALLOWABLE LIMITS - Seller-03/04/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- Initial CD XXXX is not signed and there is no evidence in file to determine if it was provided to borrower at least three days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. PER TRID, THE ONLY CD THAT NEEDS TO BE SIGNED IS THE CD ISSUED ON XXXX AS THE APR DID NOT INCREASE ABOVE ALLOWABLE LIMITS - Seller-03/04/2026 | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/06/2026<br>| Verified employment history exceeds guidelines - The Borrower has been Self Employed for 26 years.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 726. Required is 660 Borrower has 726 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7851468 |
| XXXX | XXXX | 305062509 D B A | Closed | FCOM1353 | 2026-02-27 15:16 | 2026-02-27 17:10 | Waived | 2 - Non-Material B | Compliance | Disclosure | Incorrect ROR Form Type selected | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2026 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). ----- Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/27/2026<br>| Verified employment history exceeds guidelines - The Borrower has been Self Employed for 26 years.<br>Qualifying FICO score is at least 20 points above minimum for program - FICO Required is 660 Borrower has 726. Required is 660 Borrower has 726 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | 7850980 |
| XXXX | XXXX | 305062518 C A | Closed | finding-3540 | 2026-02-26 14:28 | 2026-03-05 09:23 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (No Waiting Period Required) Test | Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. REBUTAL - Seller-03/03/2026 <br> Open-This loan failed the revised closing disclosure delivery date test (no waiting period required). (12 CFR §1026.19(f)(2)(i))The revised closing disclosure delivery does not require a new waiting period and:The revised closing disclosure delivery date is provided and the revised closing disclosure method of delivery is marked as either"XXXX First Class Mail" or "Electronic Delivery" or blank, and the revised closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised closing disclosure delivery date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised closing disclosure receipt date is provided and the revised closing disclosure receipt date is after the consummation date, or closing / settlement date if no consummation date is provided, of the transaction.Changes before consummation not requiring a new waiting period. Except as provided in §1026.19(f)(2)(ii), if the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation, the creditor shall provide corrected disclosures reflecting any changed terms to the consumer so that the consumer receives the corrected disclosures at or before consummation. Notwithstanding the requirement to provide corrected disclosures at or before consummation, the creditor shall permit the consumer to inspect the disclosures provided under this paragraph, completed to set forth those items that are known to the creditor at the time of inspection, during the business day immediately preceding consummation, but the creditor may omit from inspection items related only to the seller's transaction. ----- CD XXXX is not signed and there is no evidence of when it was provided to borrower. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. REBUTAL - Seller-03/03/2026<br>| Resolved-Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - . Required is 720 Borrower has 761<br>LTV is less than guideline maximum - . Required is 85 Borrower has 79.04<br>Qualifying DTI below maximum allowed - . Required is 50 Borrower has 40.32 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | 7828669 |
| XXXX | XXXX | 305062484 D A | Closed | FCRE0177 | 2026-03-02 23:26 | 2026-03-09 14:53 | Resolved | 1 - Information D A | Credit | Eligibility | Missing Third Party Market Rent Source | Resolved-Per XXXX GL 3.4, Refi w/ STR is allowed to use 12 month look back. Document provided does reflect company name and address per GL - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. The delivered loan file included the attached 12-month look back as permitted by guidelines. Please see attached. - Seller-03/03/2026 <br> Open-Missing Third Party Market Rent Source Missing 1007 for subject property. XXXX was used to calculate short term rent amount however per guidelines XXXX is only allowed on purchase transactions. Additional findings may apply. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. The delivered loan file included the attached 12-month look back as permitted by guidelines. Please see attached. - Seller-03/03/2026<br>| Resolved-Per XXXX GL 3.4, Refi w/ STR is allowed to use 12 month look back. Document provided does reflect company name and address per GL - Due Diligence Vendor-03/05/2026 | Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 769 which exceeds the minimum of 640 Required is 640 Borrower has 769<br>LTV is less than guideline maximum - LTV of 65% is below the maximum of 70% allowed per guidelines Required is 70 Borrower has 65 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7886773 |
| XXXX | XXXX | 305062569 D A | Closed | FPRO1253 | 2026-03-03 11:01 | 2026-03-05 12:44 | Resolved | 1 - Information D A | Property | Missing Doc | Secondary Valuation or Additional Valuation has not been entered per securitization requirements | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see attached XXXX Subject property value is supported by the Appraisal report and Commercial Broker Price Opinion (BPO) as required - Seller-03/03/2026 <br> Open-Secondary Valuation product has not been provided, per guidelines. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please see attached XXXX Subject property value is supported by the Appraisal report and Commercial Broker Price Opinion (BPO) as required - Seller-03/03/2026 | Resolved-Received BPO. Value Supported. - Due Diligence Vendor-03/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 731 Required is 680 Borrower has 731<br>LTV is less than guideline maximum - Required is 75 Borrower has 60 Required is 75 Borrower has 60 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7896849 |
| XXXX | XXXX | 305062461 D A | Closed | FCOM1266 | 2026-02-27 15:11 | 2026-03-06 12:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Please see attached disclosures tracking and signed copy - Seller-03/04/2026 <br> Open-Homeownership Counseling Disclosure Is Missing Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Please see attached disclosures tracking and signed copy - Seller-03/04/2026<br>| Resolved-Received Homeownership Counseling Disclosure. Finding Resolved. - Due Diligence Vendor-03/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 826<br>Qualifying DTI below maximum allowed - Required is 45 Borrower has 38.84 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 7850892 |
| XXXX | XXXX | 305062457 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Purchase | NA |  |  |  |
| XXXX | XXXX | 305062083 D A | Closed | FCRE6019 | 2026-03-06 14:42 | 2026-03-20 16:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Received back of perm res alien card. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-Borrower Citizenship Documentation Is Missing Missing a copy of the back of the borrower's Permanent Resident card - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Received back of perm res alien card. - Due Diligence Vendor-03/20/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7977938 |
| XXXX | XXXX | 305062083 D A | Closed | FCRE7009 | 2026-03-06 06:29 | 2026-03-11 16:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Upon further review, the loan file contained all required HOI coverage documentation. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Please see remarks on policy - show replacement cost coverage - let us know if you need anything else - Seller-03/10/2026 <br>Open-Insufficient Coverage Amount for Insured Subject Property. - Due Diligence Vendor-03/06/2026 | Ready for Review-Please see remarks on policy - show replacement cost coverage - let us know if you need anything else - Seller-03/10/2026<br>| Resolved-Upon further review, the loan file contained all required HOI coverage documentation. - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7965819 |
| XXXX | XXXX | 305062083 D A | Closed | FCRE1510 | 2026-03-05 10:46 | 2026-03-11 16:12 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. please see the upl dot - Seller-03/10/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description attachment. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. please see the upl dot - Seller-03/10/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-03/11/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 21.65<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 757 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7944032 |
| XXXX | XXXX | 305061817 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305061794 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305062013 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA |  |  |  |
| XXXX | XXXX | 305061801 D B C A | Closed | finding-3352 | 2026-03-16 07:52 | 2026-03-25 10:41 | Waived | 2 - Non-Material C B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Waived to non-material, subject loan has a full appraisal and escrows. - Due Diligence Vendor-03/25/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Statute of limitations – One year; Expiration date: XXXX.<br> - Due Diligence Vendor-03/16/2026 |  | Waived-Waived to non-material, subject loan has a full appraisal and escrows. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 709 min score 680. Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - DTI 42.34 max 50%. Required is 50 Borrower has 42.38 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 8122351 |
| XXXX | XXXX | 305061801 D B C A | Closed | FCRE1198 | 2026-03-16 14:11 | 2026-03-23 14:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Originator provided a waiver for 6 months verified reserves < required 12 months, applied to non material finding with comp factors - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. please see the upl doc - Seller-03/19/2026 <br> Counter-File submitted using HEM matrix XXXX XXXX which indicate LTV greater than 85% requires 12 months PITIA. Finding remains. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. please see the upl info from the UW - Seller-03/17/2026 <br> Open-Audited Reserves of 6.51 month(s) are less than Guideline Required Reserves of 12 month(s). 12 months required for LTV over 85%. provide sufficient asset to support total reserves required. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. please see the upl doc - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. please see the upl info from the UW - Seller-03/17/2026<br>| Waived-Originator provided a waiver for 6 months verified reserves < required 12 months, applied to non material finding with comp factors - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 709 min score 680. Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - DTI 42.34 max 50%. Required is 50 Borrower has 42.38 | Ratios: <43%<br> Long term employment | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | Yes | 8133433 |
| XXXX | XXXX | 305061801 D B C A | Closed | FCRE8887 | 2026-03-16 08:33 | 2026-03-18 16:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received 1003. - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. please see the upl ini 1003 - Seller-03/17/2026 <br>Open-Initial 1003 is missing page 8 - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. please see the upl ini 1003 - Seller-03/17/2026<br>| Resolved-Received 1003. - Due Diligence Vendor-03/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 709 min score 680. Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - DTI 42.34 max 50%. Required is 50 Borrower has 42.38 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8122914 |
| XXXX | XXXX | 305061801 D B C A | Closed | finding-3634 | 2026-03-16 07:52 | 2026-03-18 13:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Please provide more information the Attorney rev fee $XXXX has been on the initial LE since the beginning & all LE & CD. - Seller-03/17/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). -----Zero (0%) tolerance fees increased by $XXXX (Attorney Review Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $XXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3Year(s); Expiration Date: XXXX.<br> - Due Diligence Vendor-03/16/2026 | Ready for Review-Please provide more information the Attorney rev fee $350.00 has been on the initial LE since the beginning & all LE & CD. - Seller-03/17/2026 | Resolved-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Upon further review, the document(s) are located in original file, nothing further required. - Due Diligence Vendor-03/18/2026 | Qualifying FICO score is at least 20 points above minimum for program - qualifying score 709 min score 680. Required is 680 Borrower has 709<br>Qualifying DTI below maximum allowed - DTI 42.34 max 50%. Required is 50 Borrower has 42.38 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 8122348 |
| XXXX | XXXX | 305061815 A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |

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## Exhibit 99.9

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.9**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Original Loan Amount** |
| XXXX | XXXX | 304381134 | XXXX A C |
| XXXX | XXXX | 304674433 | XXXX D A B |
| XXXX | XXXX | 304875623 | XXXX D A B |
| XXXX | XXXX | 304875621 | XXXX D A |
| XXXX | XXXX | 304758097 | XXXX C A B |
| XXXX | XXXX | 304875613 | XXXX C A |
| XXXX | XXXX | 304892636 | XXXX C A B |
| XXXX | XXXX | 304778045 | XXXX C A B |
| XXXX | XXXX | 304817032 | XXXX A |
| XXXX | XXXX | 304817006 | XXXX A D |
| XXXX | XXXX | 304817035 | XXXX A |
| XXXX | XXXX | 304813411 | XXXX C A |
| XXXX | XXXX | 304819835 | XXXX A |
| XXXX | XXXX | 304825212 | XXXX A |
| XXXX | XXXX | 304825200 | XXXX C A B |
| XXXX | XXXX | 304875587 | XXXX C A |
| XXXX | XXXX | 304813580 | XXXX A |
| XXXX | XXXX | 304875593 | XXXX A |
| XXXX | XXXX | 304825171 | XXXX A |
| XXXX | XXXX | 304875592 | XXXX A |
| XXXX | XXXX | 304856818 | XXXX A D |
| XXXX | XXXX | 304856807 | XXXX C A |
| XXXX | XXXX | 304875606 | XXXX D A B |
| XXXX | XXXX | 304875608 | XXXX D A B |
| XXXX | XXXX | 304875607 | XXXX D A B |
| XXXX | XXXX | 304875609 | XXXX D A B |
| XXXX | XXXX | 304856825 | XXXX D A |
| XXXX | XXXX | 304856822 | XXXX C A D |
| XXXX | XXXX | 304875615 | XXXX D A |
| XXXX | XXXX | 304875614 | XXXX D A |
| XXXX | XXXX | 304875559 | XXXX C A |
| XXXX | XXXX | 304875604 | XXXX A |
| XXXX | XXXX | 304875529 | XXXX A |
| XXXX | XXXX | 304875435 | XXXX A |
| XXXX | XXXX | 304875547 | XXXX A |
| XXXX | XXXX | 304875471 | XXXX D A |
| XXXX | XXXX | 304875532 | XXXX A |
| XXXX | XXXX | 304875502 | XXXX D A |
| XXXX | XXXX | 304875536 | XXXX C A |
| XXXX | XXXX | 304875472 | XXXX C A |
| XXXX | XXXX | 304875514 | XXXX D A |
| XXXX | XXXX | 304875503 | XXXX D A |
| XXXX | XXXX | 304875390 | XXXX A |
| XXXX | XXXX | 304875486 | XXXX C A |
| XXXX | XXXX | 304875399 | XXXX C A |
| XXXX | XXXX | 304875494 | XXXX A |
| XXXX | XXXX | 304892619 | XXXX D A B |
| XXXX | XXXX | 304892576 | XXXX D A |
| XXXX | XXXX | 304875422 | XXXX D A |
| XXXX | XXXX | 304875520 | XXXX A |
| XXXX | XXXX | 304892518 | XXXX A |
| XXXX | XXXX | 304892513 | XXXX C A B |
| XXXX | XXXX | 304875349 | XXXX C A B |
| XXXX | XXXX | 304892582 | XXXX A |
| XXXX | XXXX | 304892631 | XXXX A |
| XXXX | XXXX | 304892594 | XXXX A |
| XXXX | XXXX | 304892612 | XXXX A |
| XXXX | XXXX | 304892621 | XXXX A D |
| XXXX | XXXX | 304892616 | XXXX C A |
| XXXX | XXXX | 304892588 | XXXX A |
| XXXX | XXXX | 304875578 | XXXX A |
| XXXX | XXXX | 304892620 | XXXX D C A |
| XXXX | XXXX | 304910090 | XXXX C A |
| XXXX | XXXX | 304910065 | XXXX A |
| XXXX | XXXX | 305023672 | XXXX A |
| XXXX | XXXX | 305023762 | XXXX C A B |
| XXXX | XXXX | 305023684 | XXXX A |
| XXXX | XXXX | 305023692 | XXXX D A B |
| XXXX | XXXX | 305023681 | XXXX A |
| XXXX | XXXX | 305023718 | XXXX C A |
| XXXX | XXXX | 305029405 | XXXX C A |
| XXXX | XXXX | 305029403 | XXXX A |
| XXXX | XXXX | 305029494 | XXXX A |
| XXXX | XXXX | 305029462 | XXXX A |
| XXXX | XXXX | 305030885 | XXXX D A |
| XXXX | XXXX | 305023691 | XXXX C A B |
| XXXX | XXXX | 305029521 | XXXX D A |
| XXXX | XXXX | 305030839 | XXXX D A |
| XXXX | XXXX | 305029340 | XXXX C A |
| XXXX | XXXX | 305029341 | XXXX A |
| XXXX | XXXX | 305030892 | XXXX C A B |
| XXXX | XXXX | 305030822 | XXXX C D A B |
| XXXX | XXXX | 305030901 | XXXX C A |
| XXXX | XXXX | 305030887 | XXXX C A |
| XXXX | XXXX | 305035382 | XXXX C A B |
| XXXX | XXXX | 305030865 | XXXX D A |
| XXXX | XXXX | 305035342 | XXXX A |
| XXXX | XXXX | 305039248 | XXXX C A |
| XXXX | XXXX | 305035387 | XXXX A |
| XXXX | XXXX | 305035407 | XXXX A |
| XXXX | XXXX | 305039329 | XXXX C A |
| XXXX | XXXX | 305035416 | XXXX A |
| XXXX | XXXX | 304897221 | XXXX D A |
| XXXX | XXXX | 305035314 | XXXX A |
| XXXX | XXXX | 305039352 | XXXX A |
| XXXX | XXXX | 305039209 | XXXX C A |
| XXXX | XXXX | 305039227 | XXXX A |
| XXXX | XXXX | 305039213 | XXXX C A |
| XXXX | XXXX | 305035368 | XXXX A |
| XXXX | XXXX | 305023759 | XXXX C A |
| XXXX | XXXX | 305035338 | XXXX C A |
| XXXX | XXXX | 305035432 | XXXX A |
| XXXX | XXXX | 305039221 | XXXX D A |
| XXXX | XXXX | 305039313 | XXXX C A |
| XXXX | XXXX | 305039263 | XXXX A |
| XXXX | XXXX | 305039229 | XXXX A |
| XXXX | XXXX | 305039199 | XXXX A |
| XXXX | XXXX | 305051918 | XXXX A C B |
| XXXX | XXXX | 305055892 | XXXX D A C |
| XXXX | XXXX | 305055897 | XXXX D C A B |
| XXXX | XXXX | 305051908 | XXXX A |
| XXXX | XXXX | 305051993 | XXXX D A B |
| XXXX | XXXX | 305051977 | XXXX C A |
| XXXX | XXXX | 305051943 | XXXX D A |
| XXXX | XXXX | 305051938 | XXXX D A |
| XXXX | XXXX | 305051991 | XXXX C A B |
| XXXX | XXXX | 305051940 | XXXX C A |
| XXXX | XXXX | 305051967 | XXXX C A |
| XXXX | XXXX | 305055939 | XXXX A C |
| XXXX | XXXX | 305055932 | XXXX C A B |
| XXXX | XXXX | 305055923 | XXXX C A B |
| XXXX | XXXX | 305051952 | XXXX C A |
| XXXX | XXXX | 305052017 | XXXX C A |
| XXXX | XXXX | 305051930 | XXXX C A |
| XXXX | XXXX | 305051963 | XXXX C A |
| XXXX | XXXX | 305051942 | XXXX D A |
| XXXX | XXXX | 305051935 | XXXX D A |
| XXXX | XXXX | 305051934 | XXXX D A |
| XXXX | XXXX | 305051932 | XXXX A |
| XXXX | XXXX | 305051907 | XXXX D A |
| XXXX | XXXX | 305051889 | XXXX A |
| XXXX | XXXX | 305052023 | XXXX D A |
| XXXX | XXXX | 305052016 | XXXX D A C |
| XXXX | XXXX | 305051947 | XXXX A D |
| XXXX | XXXX | 305051886 | XXXX A |
| XXXX | XXXX | 305051948 | XXXX C A |
| XXXX | XXXX | 305052013 | XXXX A C |
| XXXX | XXXX | 305051980 | XXXX A |
| XXXX | XXXX | 305051939 | XXXX A |
| XXXX | XXXX | 305051972 | XXXX A |
| XXXX | XXXX | 305051887 | XXXX D A |
| XXXX | XXXX | 305052027 | XXXX A |
| XXXX | XXXX | 305051902 | XXXX A |
| XXXX | XXXX | 305051909 | XXXX C A B |
| XXXX | XXXX | 305051936 | XXXX D A |
| XXXX | XXXX | 305062505 | XXXX C B A |
| XXXX | XXXX | 305052004 | XXXX D A |
| XXXX | XXXX | 305062507 | XXXX A C |
| XXXX | XXXX | 305055901 | XXXX C D A |
| XXXX | XXXX | 305062540 | XXXX A |
| XXXX | XXXX | 305062502 | XXXX D A |
| XXXX | XXXX | 305055900 | XXXX C D A |
| XXXX | XXXX | 305062152 | XXXX C A |
| XXXX | XXXX | 305062495 | XXXX A |
| XXXX | XXXX | 305052015 | XXXX A |
| XXXX | XXXX | 305051976 | XXXX C A |
| XXXX | XXXX | 305062526 | XXXX C D A B |
| XXXX | XXXX | 305062541 | XXXX C A |
| XXXX | XXXX | 305062465 | XXXX C A D B |
| XXXX | XXXX | 305062506 | XXXX C A |
| XXXX | XXXX | 305062510 | XXXX C A |
| XXXX | XXXX | 305062509 | XXXX A D B |
| XXXX | XXXX | 305062518 | XXXX A C |
| XXXX | XXXX | 305062484 | XXXX D A |
| XXXX | XXXX | 305062569 | XXXX A D |
| XXXX | XXXX | 305062461 | XXXX A D |
| XXXX | XXXX | 305062457 | XXXX A |
| XXXX | XXXX | 305062083 | XXXX D A |
| XXXX | XXXX | 305061817 | XXXX A |
| XXXX | XXXX | 305061794 | XXXX A |
| XXXX | XXXX | 305062013 | XXXX A |
| XXXX | XXXX | 305061801 | XXXX D C A B |
| XXXX | XXXX | 305061815 | XXXX A |

---

## Exhibit 99.10

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Redaction ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 304381134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0062 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0062 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304674433 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875623 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875621 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304758097 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.9 | 70.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875613 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 304892636 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304778045 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.48 | 60.48 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817032 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304817006 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.65 | 54.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304817035 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0409 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0409 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0409 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304813411 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304819835 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 304825212 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.61 | 79.61 | XXXX | XXXX | .1449 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1449 | 93 | 0.07 | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 304825200 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.2623 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.3824 | 83 | 0.17 | XXXX | XXXX | XXXXX | XXXX | XXXX | -.2623 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875587 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0848 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0848 | 94 | 0.06 | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304813580 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 56.82 | 56.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875593 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 57.6 | 57.6 | XXXX | XXXX | .0000 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304825171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875592 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304856818 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0167 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0167 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304856807 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0091 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0091 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 2 | XXXX |
| XXXX | XXXX | 304875608 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 304875607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 304875609 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304856825 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 304856822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 304875615 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | XXXX | 304875614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 304875559 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.47 | 51.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304875604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.01 | 74.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875529 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875435 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304875547 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.36 | 62.36 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0933 | 85 | 0.15 | XXXX | XXXX | XXXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875471 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875532 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.77 | 52.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875536 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | XXXX | 304875472 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | XXXX | 304875514 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 51.28 | 51.28 | XXXX | XXXX | .1795 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1795 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875503 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0051 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0051 | 97 | 0.03 | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875390 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875486 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 66.67 | 66.67 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304875399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 304875494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.82 | 58.82 | XXXX | XXXX | .0196 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0196 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 304892619 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.4 | XXXX |
| XXXX | XXXX | 304892576 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 304875422 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304875520 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892518 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875349 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.66 | 44.66 | XXXX | XXXX | -.0096 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0096 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304892582 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 74.81 | 74.81 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892631 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 48.08 | 48.08 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | XXXX | 304892621 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304892616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892588 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 56.36 | 56.36 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304875578 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304892620 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304910090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0196 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0196 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304910065 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305023672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0222 | Appraisal Narrative |  |  |  |  | XXXX | XXXX | .0222 | XXXX | Appraisal Narrative |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305023762 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305023684 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 62.5 | 62.5 | XXXX | XXXX | .0094 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0094 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305023692 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0063 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0062 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305023681 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305023718 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 71.59 | 71.59 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029403 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | XXXX | 305029462 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0649 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0649 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030885 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 64.62 | 64.62 | XXXX | XXXX | .0198 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0198 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305023691 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 69.77 | 69.77 | XXXX | XXXX | -.3120 | 71A |  |  |  |  | XXXX | XXXX | -.1040 | XXXX | 71A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 305030839 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 305029340 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .4634 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .4634 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305029341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .1858 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1858 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030892 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| XXXX | XXXX | 305030822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305030901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305030887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305035382 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 305030865 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 49.74 | 49.74 | XXXX | XXXX | -.0576 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0576 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0419 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0419 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039248 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | -.0842 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0842 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035387 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 305035407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 67.62 | 67.62 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039329 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0043 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0043 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304897221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305035314 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 78.14 | 78.14 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305039352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0833 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0833 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039209 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039227 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039213 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305035368 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.49 | 74.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305023759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | -.0098 | 71A |  |  |  |  | XXXX | XXXX | -.0098 | XXXX | 71A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0412 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305035432 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71B | XXXX | XXXX | XXXX | XXXX | 52.14 | 52.14 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039221 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305039313 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039263 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305039229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 69.81 | 69.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305039199 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051918 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | -.0199 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0199 | 93 | 0.07 | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305055892 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 49.38 | 49.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 305055897 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.57 | 38.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305051908 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | -.0326 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0326 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305051993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | -.0040 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0040 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051977 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051943 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XXXX |
| XXXX | XXXX | 305051938 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | XXXX |
| XXXX | XXXX | 305051991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 60.82 | 60.82 | XXXX | XXXX | .4206 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .4206 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051940 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.49 | 79.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.5 | XXXX |
| XXXX | XXXX | 305055939 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.4 | XXXX |
| XXXX | XXXX | 305055932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | XXXX | 305055923 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0018 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0018 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305051952 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | XXXX | 305052017 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305051930 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051963 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0255 | 75 | 0.25 | XXXX | XXXX | XXXXX | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051942 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50 | 50 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051935 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.78 | 59.78 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XXXX |
| XXXX | XXXX | 305051934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 3.8 | XXXX |
| XXXX | XXXX | 305051932 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305051907 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051889 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | XXXX | 305052023 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55 | 55 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX |
| XXXX | XXXX | 305052016 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Appraisal Narrative | XXXX | XXXX | XXXX | XXXX | 74.79 | 74.79 | XXXX | XXXX | -.1086 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1086 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051947 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | -.0737 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0737 | 92 | 0.08 | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305051886 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.25 | 78.25 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305051948 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305052013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305051980 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.0276 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0276 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 305051939 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 64.68 | 64.68 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 305051972 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77.21 | 77.21 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 305052027 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305051902 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 305051909 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305051936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | XXXX | 305062505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.1 | XXXX |
| XXXX | XXXX | 305052004 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.61 | 30.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305062507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85 | 85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305055901 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.47 | 74.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 305062540 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | XXXX | 305062502 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 25 | 25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305055900 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.9 | XXXX |
| XXXX | XXXX | 305062152 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305052015 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 76.33 | 76.33 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305051976 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305062526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | XXXX | 305062541 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 77 | 77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | XXXX | 305062465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 70 | 70 | XXXX | XXXX | -.1369 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.1369 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062506 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 30.06 | 30.06 | XXXX | XXXX | .2883 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .2883 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062510 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 305062509 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XXXX |
| XXXX | XXXX | 305062518 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 79.04 | 79.04 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65 | 65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305062569 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 60 | 60 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2 | XXXX |
| XXXX | XXXX | 305062457 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305062083 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XXXX |
| XXXX | XXXX | 305061817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305061794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR | XXXX | XXXX | .0541 | 96 | 0.04 | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305062013 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305061801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90 | 90 | XXXX | XXXX | -.0146 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0146 | 97 | 0.03 | XXXX | XXXX | XXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305061815 | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75 | 75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.11

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.11**

![](clayon-cover.jpg)

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 1 April 29, 2026

![](clayton-logo.jpg)

**Table of Contents**<br>

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp; *Sampling* | *3* |
| &nbsp;&nbsp;&nbsp; *Sponsor Acquisition Criteria* | *3* |
| &nbsp;&nbsp;&nbsp; *Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp; *TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Property Valuation Review | 5 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp; *Data Capture* | *7* |
| &nbsp;&nbsp;&nbsp; *Data Integrity* | *7* |
| **Data Compare Results** | **8** |
| **Clayton Due Diligence Results** | **9** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **14** |
| **Appendix C: Regulatory Compliance Review Scope** | **17** |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 2 April 29, 2026

![](clayton-logo.jpg)

**Clayton Contact Information**

**Client Service Management:**

 Chris Turk Senior Client Service Director

Phone: (813) 472-6509/E-mail: <u>cturk@clayton.com</u>

 Joe Ozment Vice President – Client Services & Securitization

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

**Overview**

On behalf of Hometown Equity Mortgage, LLC ("Hometown"), Clayton conducted an independent third-party pre-securitization due diligence review of 109 residential loans. The due diligence for Hometown (109 loans) took place between July, 2025 and March, 2025.

JPMorgan Chase Bank, National Association ("JPMorgan") acquired the diligence on the 109 loans reviewed for Hometown through a Reliance Letter purchase and selected these loans for the JPMMT 2026-NQM3 transaction.

This narrative report provides information about the original lender, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| **Origination Channel** | **Loan Count** | **Percentage** |
| Broker | 103  | 94.50% |
| Correspondent Bulk | 2  | 1.83% |
| Retail | 4  | 3.67% |
| **Total** | **109**  | **100.00%** |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 3 April 29, 2026

![](clayton-logo.jpg)

**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 was 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."

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** | 109 | Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| **Total Loan Population** | &nbsp;&nbsp; 109<br>|  |

---

Sponsor Acquisition Criteria

Clayton was supplied with the related guidelines in advance of our review. The subject loans were reviewed pursuant to the applicable Originators guidelines.

Loan Grading

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

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

![](img_001.jpg)

TPR Component Review Scope

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

Credit Review

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

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

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

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

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

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

 Examined income, employment, assets, and occupancy status for reasonability; and

---

| | |
|:---|:---|
|  | Examined Data Verify/Fraudguard/Interthinx or similar risk evaluation report, which was ordered by the Seller and received by Clayton for Nationwide Multistate Licensing System and Registry ("NMLS") and occupancy status alerts. Clayton researched alert information against loan documentation and assigned loan conditions accordingly. |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 4 April 29, 2026

![](clayton-logo.jpg)

Property Valuation Review

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

 Original Appraisal Assessment (109 loans)

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

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

 Value Supported Analysis (109 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. Clayton had independent access to all products listed below.

For loans reviewed:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 3 loans had a collateral underwriter through Fannie/Desktop Underwriter of 2.5 or less and therefore did not require a 3<sup>rd</sup>
party product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o 7 loans had a Desk Review in file to show support for value.

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 Appendix C.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

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

 Truth-in-lending/regulation Z (TILA) testing included the following:

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

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

- TIL APR and Finance charge tolerances;

- Timeliness of ARM Disclosures (if applicable);

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

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

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

- Prepayment Penalty restrictions;

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

For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable to the loan and (2) that the lender considered and verified income, assets and debt in accordance with the revised QM standards.

Clayton included in its review an analysis to determine if the lender's underwriting deviated from the VSH guidelines that lender's documented that they used. This scope only applies if the lender underwrote the loan to either chapters B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide published June 3, 2020; or sections 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June 10, 2020. See Appendix C for more detail.

- TILA/RESPA Integrated Disclosure Scope ('Covered Loans' on or after 10/3/2015); SFA RMBS 3.0 TRID Compliance Review Scope as further described on Appendix C attached hereto.

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

- GFE initial disclosure timing and content;

- Confirmed the file contains the final HUD1 Settlement Statement;

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

- Homeownership Counseling Notice; and

- Affiliated Business Disclosure if applicable.

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 5 April 29, 2026

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

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

Following the June 15<sup>th</sup> , 2016 formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by JPMorgan.

<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:

 Cook County High Cost Ordinance

 Chicago High Cost Ordinance

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

Anti-predatory lending laws

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

 Minnesota §58 on or after 8/1/2008

Prepayment Penalties and Late Charges in certain states

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

 Sufficiency of coverage

 Escrow of insurance payment

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 6 April 29, 2026

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Data Capture

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

Data Integrity

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

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

 Loan Reviewer collects validated loan data in eCLAS;

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

 Discrepancies found during comparison are stored; and

 Each discrepancy is reported on the Clayton Loan Level Tape Compare.

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 7 April 29, 2026

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**Data Compare Results**

Clayton provided JPMorgan with copies of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

---

| | | |
|:---|:---|:---|
| **Field Name** | **#** | **Accuracy %** |
| Borrower 1 Self Employed Flag | 2 | 98.17% |
| Borrower 1 Total Income | 7 | 93.58% |
| Borrower 2 First Name | 4 | 96.33% |
| Borrower 2 Last Name | 1 | 99.08% |
| Borrower DSCR Percent | 3 | 97.25% |
| Cash Reserves | 43 | 60.55% |
| Combined LTV | 22 | 79.82% |
| Credit Report Date | 4 | 96.33% |
| Debt to Income Ratio (Back) | 2 | 98.17% |
| Disbursement Date | 10 | 90.83% |
| Documentation Type | 1 | 99.08% |
| Loan Purpose | 1 | 99.08% |
| Min Number | 1 | 99.08% |
| Months Reserves | 49 | 55.05% |
| Next Payment Change Date | 1 | 99.08% |
| Original Appraisal Date | 10 | 90.83% |
| Origination Date | 2 | 98.17% |
| Product Type | 10 | 90.83% |
| Property Type | 6 | 94.50% |
| Representative Credit Score for Grading | 3 | 97.25% |
| Total Cash Out | 76 | 30.28% |
| Total Monthly Income | 1 | 99.08% |

---

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 8 April 29, 2026

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**Clayton Due Diligence Results**

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

**Initial and Final Overall Loan Grade Results**

<u>Loan Pool (109 loans)</u>

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** | **Overall Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
|  | **A** | 71  | 1  | 9  | 6  | **87**  |
|  | **B** |  | 13  | 5  | 4  | **22**  |
|  | **C** |  |  |  |  | **0**  |
|  | **D** |  |  |  |  | **0**  |
|  | **Total** | **71**  | **14**  | **14**  | **10**  | **109**  |

---

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

**Initial and Final Credit Component Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** | **Credit Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
|  | A | 78  | 2  | 9  | 5  | **94**  |
|  | B |  | 12  | 2  | 1  | **15**  |
|  | C |  |  |  |  | **0**  |
|  | D |  |  |  |  | **0**  |
|  | **Total** | **78**  | **14**  | **11**  | **6**  | **109**  |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** | **Property Valuation Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
|  | A | 99  |  | 3  | 4  | **106**  |
|  | B |  | 2  | 1  |  | **3**  |
|  | C |  |  |  |  | **0**  |
|  | D |  |  |  |  | **0**  |
|  | **Total** | **99**  | **2**  | **4**  | **4**  | **109**  |

---

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** | **Compliance Grade Migration** |
|  | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** | **Initial** |
| **Final** |  | **A** | **B** | **C** | **D** | **Total** |
|  | A | 45  |  | 1  |  | **46**  |
|  | B |  |  | 4  |  | **4**  |
|  | C |  |  |  |  | **0**  |
|  | D |  |  |  |  | **0**  |
|  | **Total** | **45**  | **0**  | **5**  | **0**  | **50**  |

---

The total count of loans that received a compliance review (50 loans) varies from the overall pool count (109 loans) due to investor loans not having applicability for compliance results.

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 9 April 29, 2026

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**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Rating Agency Attestations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Exception Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Guideline Key

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Supplemental Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Tape Compare Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Valuations Report

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 10 April 29, 2026

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**Appendix A: Credit Review Scope**

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

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

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

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

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

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

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

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

- Citizenship status

- Non- occupant co-borrower

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

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 11 April 29, 2026

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

 Signed by all borrowers and processed by the originator

 Compared IRS tax transcripts to income documentation and noted any inconsistencies

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

 Tax returns

 Financial statements

---

| | |
|:---|:---|
|  | Paystubs |

---

---

| | |
|:---|:---|
|  | W-2s |

---

---

| | |
|:---|:---|
|  | 1099 |

---

 IRS documents

 Bank statements

 Lease agreements

 Award letters

 Other documentation in loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Asset review included:

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

 Verification of deposits (VOD)

 Depository account statements

 Stock or security account statements

 Gift funds

 Settlements statements

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 12 April 29, 2026

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 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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Title policy review included:

- Title interest – determined if

 Fee simple

 Leasehold estate

- Appropriate vestee(s) were listed on title policy

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

- Applicable title endorsements were present

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

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

- Captured monthly tax payments in debt ratio calculation

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

- Disbursements and pay-offs included in debt ratio calculations

- Loan purpose confirmed

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 13 April 29, 2026

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

 Correct borrower

 Correct property

 Correct lender

 Correct loan number

 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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Mortgage Insurance review included:

- Determined if mortgage insurance is required

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

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

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

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

- Social Security inconsistencies

- Borrower name variations

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

- Borrower address history

- Subject property ownership history

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

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

- Mortgage lender/originator

- Loan officer

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

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 14 April 29, 2026

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**Appendix B: Origination Appraisal Assessment**

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

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

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

 Subject front, rear and street photos and valued features

 Subject interior photos – kitchen, all baths, main living area, updates/upgrades, deferred maintenance

 Photos of all comparable sales and listings

 Location map

 Exterior sketch of property with dimensions

 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

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

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

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

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 15 April 29, 2026

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

---

| | |
|:---|:---|
|  | Location |

---

---

| | |
|:---|:---|
|  | % built up |

---

 Growth rate

 Demand/supply

 Marketing time

 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

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 16 April 29, 2026

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;o ProTeck's Appraisal Risk Review (ARR) is an enhanced desk review of the original appraisal in the file completed by a licensed
appraiser. The ARR validates subject and comparable data and characteristics, confirms the original appraiser's methodologies,
credentials, and commentary to insure compliance with regulatory requirements and industry accepted best practices, and flags all risk
factors while also providing 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 14 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>

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&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;&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;&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;&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 or the revised QM
definition as described below. 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;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified as QM based upon the revised QM definition, the scope included identifying whether loans met the QM definition in
terms of loan term, fees and product features, and also whether (1) the loan's APR did not exceed the QM APOR threshold applicable
to the loan and (2) that the lender considered and verified income, assets and debt in accordance with the revised QM standards.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o For loans identified as QM under the revised QM definition, as applicable, an added element was to identify whether the lender used guidelines
that provided a Verification Safe Harbor, based on the following review scope:

---

| | |
|:---|:---|
|  | lender provided a VSH Indicator. (The VSH indicator was provided within the loan images, on the data tape, or as part of the loan program/guidelines being originated to.) The loan guidelines utilize one of the specified GSE June 2020 guidelines to meet VSH. In the event the lender has identified the loan to have VSH status, then the TPR firm reviewed to identify documentation variances that would cause one to question the VSH attestation from the lender. If variances are identified then the loan would not be identified by the TPR firm to meet the VSH documentation requirements under either the Fannie Mae guidelines or under the Freddie Mac guidelines. |

---

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| | |
|:---|:---|
|  | Under this review scope, if an AUS provides a lesser documentation standard than the Safe Harbor guideline and the Safe Harbor guideline does not contain a specific allowance for the reduced documentation, the AUS in and of itself will not evidence of VSH. For example, Section B3-3.5 of the Fannie Mae guidelines contains two instances where lesser DU documentation is allowable. |

---

 Clayton does not independently affirm that the lender's guidelines meet VSH or that a court would determine that the lender met the QM consider and verify standards.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TILA/RESPA Integrated Disclosures ("TRID")

 Test whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate ("LE") and Closing Disclosure ("CD")

 Pre-application Requirement Testing:

 Pre-application forms cannot look similar to the LE

 Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

 Timing Requirements:

 The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

 The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

 That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

 Fee Tolerances:

---

| | |
|:---|:---|
|  | Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance. |

---

 If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

 Payment Schedule Accuracy:

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

 Interest-only periods and final balloon payments are accurately completed.

---

| | |
|:---|:---|
|  | The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly. |

---

 When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

 Accuracy of the Loan Calculations

---

| | |
|:---|:---|
|  | Amount Financed |

---

 Finance Charge

---

| | |
|:---|:---|
|  | Total of Payments |

---

---

| | |
|:---|:---|
|  | Total interest percentage |

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 Technical Requirements

 Compliance with the TRID rounding rules.

 Compliance with specified formatting requirements.

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

 Alphabetization of fees.

 Title fees preceded by "Title –."

 Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

 Consistency within and across forms

 Once a fee is disclosed it must remain substantially the same name across disclosures.

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 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.

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| | |
|:---|:---|
|  | 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. |

---

---

| | |
|:---|:---|
|  | Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section. |

---

 Completion of the LE and CD

 All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

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

 That there is either a signature or a Loan Acceptance statement on the form.

---

| | |
|:---|:---|
|  | Waivers |

---

 Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

 Corrected CD requiring a new waiting period

 Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

 Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

 Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

 Post-Close CD's

 Corrected CD's provided with a post-close refund.

 Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

 Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

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 Related Documentation

 Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

 Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

 Affiliated Business Disclosure (can impact fee tolerances)

 Outside of Clayton's default TRID scope:

 Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

 Whether the Liability after Foreclosure selection is correct for the property state.

---

| | |
|:---|:---|
|  | Accuracy of the Aggregate Adjustment amount. |

---

 Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

 Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

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

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

<u>**STATE, COUNTY and MUNICIPAL LAW**</u>

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

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

---

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

---

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

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

---

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

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

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

 Minnesota (Mortgage Originator and Service Licensing Act)

 Puerto Rico (Office Regulation 5722)

 Texas (Texas Finance Code)

 West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

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

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

---

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

---

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

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

---

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

---

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

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

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

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<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. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

JPMMT 2026-NQM3 Due Diligence Narrative Report Page \| 23 April 29, 2026

## Exhibit 99.12

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 304732626 | XXXXXX | XXXXXX | Borrower 1 Total Income | 11808.65 | 7600.57 |
| 305062251 | XXXXXX | XXXXXX | Borrower 1 Total Income | 66151.67 | 0.00 |
| 305062119 | XXXXXX | XXXXXX | Borrower 1 Total Income | 29178.21 | 0.00 |
| 305061993 | XXXXXX | XXXXXX | Borrower 1 Total Income | 3028.00 | 0.00 |
| 305061819 | XXXXXX | XXXXXX | Borrower 1 Total Income | 37052.16 | 2113.39 |
| 305061791 | XXXXXX | XXXXXX | Borrower 1 Total Income | 54917.95 | 26819.50 |
| 305061853 | XXXXXX | XXXXXX | Borrower 1 Total Income | 775155.89 | 0.00 |
|©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |©2026 Clayton Services LLC. All rights reserved. Ownership and use of this report is governed by the legal agreement between Clayton and the party for which it was prepared. Any use not expressly authorized by such agreement, including reliance on this report by anyone other than such party, is prohibited. |

---

## Exhibit 99.13

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub 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** |
| 304732626 | XXXXXX | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Section 32 | Satisfied B | CMPS32371 | Section 32 Loan per Points and Fees Test | No | Provide compEase or Mavent ran at or near closing, Including un-discounted starting rate. | 7.18.25-Client provided lock confirmation. Please confirm if 7% is the starting, un-discounted starting rate. (rate prior to any discount points)7.21.25-Client provided Starting , un-discounted rate of 7.5%. Satisfied. | 7.21.25-Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $76689.02, 25.21 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 663 exceeds the minimum of 660<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced by $1771.13/month or 36.80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.77% is below the maximum of 50% |
| 304732626 | XXXXXX | XXXXXX | AL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Credit | Terms/Guidelines | Satisfied | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing payoffs for mortgage with XXX #XXX and XXX HELOC #XXX along with evidence HELOC will be closed. | 7.23.25 Final title policy uploaded7.23.25 exception satisfied | 7.23.25 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $76689.02, 25.21 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 663 exceeds the minimum of 660<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced by $1771.13/month or 36.80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 42.77% is below the maximum of 50% |
| 304732555 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of most recent 12 months mortgage payment history for primary residence. | 8-7-25 Client sent email explaining: Attached is the Mtg Statement reflecting the voluntary monthly payment, as well as the verbiage that the XXX mtg attached to the borrowers primary residence was discharged in a previous BK. (I have also attached an updated 1008 with new commentary to confirm this information is also available when calling the toll-free number reflected on the statement).There will not be any rating on this one as the borrower is no longer liable via BK.I have also included a XXX printout to evidence there is no existing foreclosure or pre-foreclosure activity on this property, not has there been since the discharge. Because we did not originally obtain any BK ppwrk or evidence of the discharge date (BK has dropped off credit), I have included a Lexis Nexis printout as well, to evidence the borrowers most recent BK was > 10 years ago.8-15-25 Client replied: Thank you we will accept your Grade B thank you ?? | 8-8-25 Clayton reviewed the explanation, docs uploaded and file. Response: NONI requires a housing history for the primary and subject property (sec 1.8.2.3) and guidelines offer alternative means of meeting the requirement when mortgages are not reported on the credit report (sec 1.5.5.1.2). To satisfy this non-material exception 12 months mortgage statements would be required or a payment history from the servicer. Either option would need to reflect a satisfactory payment history. Exception remains. 8-15-25 Non-Material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying FICO of 792 is 92 points above the 700 FICO required for the program.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has a credit line usage ratio of 1.58%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75.75% is 4.25% below the 80% LTV allowed for the program. |
| 304840747 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 722 exceeds the guideline minimum of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $39,976.40, 24.04 months. 6 months reserves are required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower is using 2% of the available revolving credit. |
| 304840742 | XXXXXX | XXXXXX | UT | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Guidelines require evidence of 2 months rent receipt to utilize higher rents from lease. Lender provided a copy of the lease with beginning date XX/XX/XX and evidence of the receipt of $XXX from tenant and $XXX from XXX on behalf of the tenant to go towards the deposit and first months rent for a total of $XXX.Clayton deems non-material/non-fatal to lending decision due to compensating factors: 694.50 months cash reserves/6 required, credit score of 784/700 minimum, and 5 years mortgage history/1 year required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 784 FICO score is above the 700 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers 5 years of current mortgage history exceeds the required 12 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 694.50 months reserves is above the 6 required months. |
| 304840741 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 54.55 is below guideline requirement max of 75.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 779 exceeds guidelines. 660 minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $671,057.66 or 80.06 months PITI reserves exceeds required reserves of ($8,382.35 x 6 = $50,294.10). |
| 304813607 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $149,602.32, 65.35 months, 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 800 is above the required 700. |
| 304813601 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | Maximum LTV is 70% for unleased properties. Loan closed at 75%. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score 735/700 minimum, 537.91 months cash reserves/6 required and 21 months mortgage history/12 months required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 735 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 537.91 months reserves is above the 6 required months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers 42 months mortgage history exceeds the required 12 months. |
| 304813601 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Missing Documented improvements to subject property as Cash out guidelines state "For properties owned greater than 6 months but less than 12 months: LTV/CLTV is limited to the lower of the current appraised value or the property's purchase price plus documented improvements." (Sec 1.4.1.3)Property purchased XX/XX/XX. Note date XX/XX/XX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 735 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 537.91 months reserves is above the 6 required months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers 42 months mortgage history exceeds the required 12 months. |
| 304813595 | XXXXXX | XXXXXX | NY | (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 $38,137.99, 6.11 months; no reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 755 is above the required 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allows 85%. |
| 304813586 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 725 exceeds the guideline minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $3,096, 1.56 months. No reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 36 months credit history with no adverse events or delinquencies. This exceeds the guideline requirement of 24 months. |
| 304813576 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Satisfied B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing documentation mortgage listed on title has been discharged and released from title. Per VOM dated XX/XX, mortgage secured to subject is paid in full. | 8.22.25 The subject property is own free and clear. There is no payoff. See the Reconveyance pdf that was uploaded. | 8.26.25 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 735 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 63.79% is below the maximum of 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $170388.26, 113.59 months, 6 months required. |
| 304813576 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | Subject property GLA is below 700 sq ft. GLA at 697 sq ft. Clayton deems exception to be non material to the lending decision. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 735 exceeds the minimum of 680<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 63.79% is below the maximum of 70%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $170388.26, 113.59 months, 6 months required. |
| 304813575 | XXXXXX | XXXXXX | AL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of764 is above the required 740<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $106,819.40 or 99.87 months of PITIA. 3 months required for NONI+<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 5% |
| 304813548 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 765 FICO score is above the 700 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrowers 100.96 months reserves is above the 6 months required .<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers 5 years of mortgage history is above the 12 months required |
| 304813547 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Guidelines require 2 months rent receipt when using a lease value that is higher than market rents. Lender provided signed lease to begin XX/XX/XX along with the receipt of the first months rent and security deposit. Clayton deems non-material/non-fatal to lending decision due to the following compensating factors: LTV 70%/75% maximum, 6.34 months cash reserves/6 required and Borrower contributed an additional $XXX above the required $XXX down payment for a total down payment of $XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $18,305.81 or 6.34 months reserves. The guidelines require 6 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% is below the maximum allowable of 75%.<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional $22,225 above the required $111,125 down payment for a total down payment of $133,350. |
| 304813546 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $12,489.16, 2.63 months. 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 743 is above the required 660. |
| 304840733 | XXXXXX | XXXXXX | ME | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Appraisal | Active B | PRVAAPPR169 | Appraisal includes one or more issue(s) | No | The 1007 does not contain the current rent as required by the guidelines when the property is currently tenant occupied. The appraiser indicated they were unable to obtain the data due to being unable to contact the seller. Clayton considers this non material as market rents used for qualification, borrower has 4.82 months reserve with none required, and credit score is 685/660. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $15,026.04, 4.82 months. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 685 exceeds the guideline minimum of 660<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 2 years. |
| 304813511 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $15,527.31, 7.29 months; 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 64.84%; guidelines allows 75%. |
| 304840725 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied | CRDTER4238 | Business entity does not meet guidelines | No | Missing evidence of XXX ownership percentage in XXX. Schedule of directors and shareholders provided is for XXX, need schedule for XXX | 9-23-25 Client uploaded all LLC docs.9-25-25 Client replied: Attached is the Operating Agreement for XXX evidencing borrower has 25% ownership9-29-25 Client replied: Attached is borrowers Operating Agreement for XXX dated 5/2025, within attachment is the SchA evidencing borrower has 25% ownership. | 9-24-25 Clayton reviewed LLC docs. Page 1 of Operating agreement section 2.1 indicates there is a schedule A which list the percentage of ownership of the LLC. The schedule provided was for XXX not the borrowing entity XXX Please provide schedule A for XXX Exception remains. 9-26-25 Clayton reviewed operating agreement and loan file. Operating agreement provided with original file is dated 5-14-25 and there is Unanimous written consent in file dated 8-18-25 signed by XXX as Majority Owner. Please provide the schedule A to operating agreement dated 5-14-25. Exception remains. 9-30-25 Clayton reviewed Operating agreement which reflects Guarantor has 25% ownership interest in LLC. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 741 exceeds the minimum of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 57 months reviewed for primary residence mtg, exceeds the 12 months required<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 10% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $118148.88, 63.96 months, 6 months required |
| 304813474 | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 is 34 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $108,852.28/107.40 PITIA which is > guideline minimum of 0 months PITIA. |
| 304840719 | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 734. G/l min is 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 24% consumer credit utilization in file<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 82.64 months piti reserves |
| 304813462 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Terms/Guidelines | Active B | CRDTER4643 | Borrower does not meet guideline requirements | No | Borrower is the broker. Exception approved @ origination for borrower eligibility: borrower is broker submitting 4 applications. Clayton deems non-material/non-fatal to lending decision due to the following compensating factors: 134.11 cash reserves/6 months required, LTV65/75% maximum, and Credit score of 751/660 minimum. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $173,622.28 or 134.11 months of PITIA. 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of751 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of65 is below the maximum allowable of 75%. |
| 304813459 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Application | Satisfied D | CRDAPP130 | Application is incomplete | No | Provide Citizenship on application. | 8-21-25 Client uploaded corrected 1003. | 8-21-25 Clayton reviewed 1003. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of716 is above the required 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $56,785.23 or 28.38 months of PITIA. 6 months required.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower current PITI is $2317.02; Subject PITI is $2001.23. Monthly savings of $315.79 |
| 304813459 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt D B | N/A | N/A D B | N/A | N/A | Credit | Terms/Guidelines | Active B | CRDTER111 | Ownership seasoning does not meet minimum per guidelines | No | Property not owned 12 months and Missing Documented improvements to subject property as Cash out guidelines state "For properties owned greater than 6 months but less than 12 months: LTV/CLTV is limited to the lower of the current appraised value or the property's purchase price plus documented improvements." (Sec 1.4.1.3)Property owned since XXX. | 8-21-25 Client uploaded guidelines. | 8-21-25 Clayton reviewed the above loan and the guidelines uploaded. However, the borrower falls in the cash out refinance category for properties owned greater than 6 months but less than 12-months as the Borrower purchased the home XXX per Title and closed on the subject refinance on XXX. Non-material exception remains per guidelines. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of716 is above the required 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $56,785.23 or 28.38 months of PITIA. 6 months required.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Borrower current PITI is $2317.02; Subject PITI is $2001.23. Monthly savings of $315.79 |
| 304813453 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrowers 743 FICO score is above the 620 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 59.391% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 112.67 months reserves is above the 0 required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 185 months of 0x30 consumer credit history per CBR. |
| 304813414 | XXXXXX | XXXXXX | MI | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | XXX report appears incomplete as it does not meet guidelines: 1) must have 3 comparable properties 2) must be similar in size, room count, amenities, availability and occupancy. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 34.02 months cash reserves/0 months required, credit score 749/640 minimum, LTV 70%/85% max. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of749 is above the required 640<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of70 is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $77,321.23 or 34.02 months of PITIA. 0 months required. |
| 304813407 | XXXXXX | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of798 is above the required 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of70 is below the maximum allowable of 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $113,243.52 or 108.2 months of PITIA. 6 months required. |
| 304840706 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/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: 780 qualifying credit score per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 450 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 255 months of 0x30 mortgage history per CBR. |
| 304840702 | XXXXXX | XXXXXX | PA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 773 is above guideline program minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 29 months with 0x30 Mortgage payment history exceeds guidelines of 12 months. |
| 304813392 | XXXXXX | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 776 is above the required 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allows 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $17,894.63, 5.99 months. 0 months required |
| 304840700 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Credit/Mtg History | Satisfied B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing full 12 month housing payment for primary residence. Letter verifying living rent free supports last 8 months. | 11-7-25 Client replied: HI I have attached the payment history for previous primary home. | 11-10-25 Clayton reviewed payment history for previous primary housing. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $35492.34, 26.25 months reserves, 6 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 730 exceeds the minimum of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 7% of revolving credit utilized |
| 304813381 | XXXXXX | XXXXXX | NJ | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied D | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing Citizenship on application - unable to determine if additional documents are required | 8-28-25 Client uploaded 1003. | 8-28-25 Clayton reviewed 1003 and updated data points. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of757 is above the required 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 2%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $57,821.96 or 10.11 months of PITIA. 6 months required. |
| 304840661 | XXXXXX | XXXXXX | WA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of759 is above the required 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of80 is below the maximum allowable of 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of160 months exceeds the required 12 months. |
| 304840643 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | HOI dwelling coverage $350,000. Loan Amount $XXX. Please provide HOI w/ coverage equal or greater than the loan amount of $XXX or a rebuild letter stating the property can be rebuilt for $350,000 or less. Additional exceptions may apply. | 9-23-25 Client uploaded RCE. | 9-24-25 Clayton reviewed RCE. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 793 is 93 points above minimum program requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x20 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 304840626 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 767 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 77 months of 0x30 consumer credit history per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 41 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 17.71 months of reserves in file. |
| 304840619 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 812 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $1,124,703.26, 87.13 months. 0 months required. |
| 304840562 | XXXXXX | XXXXXX | FL | (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 is 53 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $231,281.88/31.36 PITIA which is > guideline minimum of 6 months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have0x30x17 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 304840557 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 801 is above the required 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allows 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $59,149.51, 4.61 months. 0 months required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 53 months of 0x30 consumer credit history per CBR. |
| 304840555 | XXXXXX | XXXXXX | FL | (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 5 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%. G/l max is 75%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying fico is 716. G/l min is 660 |
| 304840551 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Appraisal | Satisfied | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing Appraiser search on the Fraud Report. | 9-29-25 Client replied: uploaded Fraud report with Appraiser search in it | 9-30-25 Clayton reviewed fraud report. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 792 exceeds the minimum of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 19% of revolving credit utilized<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 38 years residing in primary residence<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 months reviewed for primary residence mtg exceeds the 12 months required<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $49800.91, 6.14 months reserves, 3 months required<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 84 months of 0x30 consumer credit history per CBR. |
| 304840748 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 722 exceeds the guideline minimum of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $98,955.38, 35.89 months. 6 months reserves required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The borrower has 15 open mortgage accounts on credit report with no delinquencies. |
| 304894216 | XXXXXX | XXXXXX | PA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 701 is 01 points above minimum program requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $163,591.90/114.23 PITIA which is > guideline minimum of 12 months PITIA.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have 0x30x16 months mortgage payment history exceeding guideline requirement of 1x30x12. |
| 304840534 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 50%; guidelines allows 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 817 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $1,878,396.66, 727.51 months. 0 months required. |
| 304894196 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 796. The guideline minimum is 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is less than the guideline maximum of 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $55,735.55, 21.97 months. No reserves are required. |
| 304894177 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower is 0\*30 consumer credit history past 36 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 95.89 months piti reserves |
| 304894137 | XXXXXX | XXXXXX | CO | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Credit | Credit/Mtg History | Active B | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | The 1008 indicates this was approved with other loans and this would need loan committee exception. | (No Data) | 11-12-25 Clayton located credit committee approval. Borrower has 7 loans - max is 4 HEM financed. Clayton deems non-material/non-fatal to lending decision due to compensating factors: 21.77 months cash reserves/3 required, credit score of 745/700 and minimal credit use at 3%. Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 745. The guideline minimum is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $253,786.91, 21,77 months. 3 months reserves are required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is using 3% of the available revolving debt. |
| 304894137 | XXXXXX | XXXXXX | CO | (No Data) | ATR/QM: Exempt D B C | N/A | N/A D B C | N/A | N/A | Property Valuations | Appraisal | Satisfied D | PRVAAPPR100 | Missing Appraisal | No | Missing appraisal and market rent; updated valuation to support appraised value will also be required. | 11-11-25 Client replied: uploaded appraisal again was upload on 11/4/2025 | 11-12-25 Clayton reviewed appraisal, UCDP, 1007 and CDA which support value of $XXX and long term rental income of $XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 745. The guideline minimum is 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $253,786.91, 21,77 months. 3 months reserves are required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower is using 3% of the available revolving debt. |
| 304894097 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 766 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 11.93 months of reserves in file.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 151 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 305033009 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Waived B | CRDINC150 | Income docs do not meet guidelines | No | Missing Tax Preparer attestation they have completed or filed the borrowers most recent business tax return. Clayton deems non-material/non-fatal to lending decision due to letter verifying over 2 years XXX and CPA prepared P&L and compensating factors: LTV 80%/85% maximum, Credit score 707/680 minimum and DTI of 45.51%/50% maximum. | 12.23.2025- Acknowledged by client. | 12.23.2025- Non-material exception remains. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 707 is above minimum program requirement of 680.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allow 85%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 45.51% is below the guideline minimum of 50%. |
| 305032985 | XXXXXX | XXXXXX | AL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $22,700.93, 24.01 months. 3 months reserves are required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence 21 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 747. Guideline minimum 700. |
| 305062259 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 687 FICO score is above the 660 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 5 years of mortgage history is above the required 1<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 50 months of reserves are above the required 3. |
| 305062251 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Application | Satisfied | CRDAPP131 | Occupancy status not supported by file documentation | No | Provide updated final application for XXXX reflecting declarations A as No - will not occupy as primary residence. | 3-25-26 Client replied: This was corrected on the Final 1003 and already provided3-27-26 Client replied: 1003 uploaded | 3-25-26 Clayton reviewed the uploaded applications. XXX application reflects Yes to property will be primary residence on page 5. Please provide update. Exception remains. 3-27-26 Clayton reviewed updated 1003 with correction. Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 9.73742%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 747 > 27 points above guideline program minimum of 720.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $1,162,443.26 = 59.31 months of reserves. 9 months required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.4968% is below the minimum program requirements of 50% |
| 305046188 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 34.67% is below the guideline minimum of 50%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 75 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 712 is 12 points above minimum program requirement of 700. |
| 305062169 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 years living at primary residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 125 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $283,977.27, 48.98 months. 3 months required.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 0x30 consumer credit history since 5/2019 per CBR. |
| 305062159 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Assets | Active B | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Using 100% of business assets when Guidelines (sec 1.6.2) state business accounts to be considered for assets be limited to the borrower's ownership percentage of the business. XXXX and XXX XXX are owned by XXX which borrower owns 75% of business. XXX is owned by XXX which the borrower owns 50%. Clayton deems non-material/non-fatal to lending decision as spouse owns the remaining portion of business and is on title and compensating factors: Credit score 709/680 minimum, DTI of 25.30%/50% max, and minimal credit use of 8%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.3% is below the maximum of 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 8% revolving credit utilized |
| 305062159 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | Appraisal | Satisfied | PRVAAPPR2502 | Appraiser is currently on an exclusionary list | No | Missing documentation to clear fraud report alert on appraiser. Provide XXX search. | 3-10-26 Client replied: SAM.gov search uploaded | 3-11-26 Clayton reviewed Sam search which is clear. Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 25.3% is below the maximum of 50%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 8% revolving credit utilized<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 8% revolving credit utilized |
| 305062132 | XXXXXX | XXXXXX | NV | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 48 months of 0x30 rental history per VOR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $104,249.05 = 21.62 months of reserves, 3 are required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 703 mid-score per CBR, 680 minimum. |
| 305062119 | XXXXXX | XXXXXX | WA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 85% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 736 FICO score is above the 620 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42.18 months of reserves are above the required 6. |
| 305062108 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Short term rental income taken from 1007 dated XX/XX/XX at $XXX per month. Original appraisal also contained a 1007 with Short term rental income of $XXX. NONI matrix states: When short term rental income is documented using multiple sources, the lowest monthly income source is to be utilized for calculating DSCR.Lender used the higher of short term rents. Clayton deems non-material/non-fatal to lending decision due to compensating factors: Credit score of 740/700 minimum, 21.63 months cash reserves/6 required, Positive Mortgage history of 48 months/12 required and 0 x 30 in 99 months. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 99 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $323,095.41, 21.63 Months; 6 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 740 exceeds minimum required 700.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrowers have48 months mortgage payment history 0x30. 12 months required. |
| 305062104 | XXXXXX | XXXXXX | IN | (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 in current residence 45 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $1,762.37 or 1.29 months. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 745. Guideline minimum 700. |
| 305062103 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $304450.83, 53.9 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 753 exceeds the minimum of 660<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below the maximum of 85%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 11% revolving credit utilized<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 61 months reviewed for primary residence mtg, exceeds the required 12 months |
| 305062099 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 680 FICO score is above the 660 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 19 years of on time payment mortgage history is above the required 1.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $186,431.38, 96.55 months. 3 months required |
| 305062096 | XXXXXX | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance fail of $19530.96. Due to transfer tax & discount point fees increased on LE issued 2/23/23 with no COC in file. Provide COC reflecting valid reason for the fee changes within 3 business days of change - OR- PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via method including tracking, within 60 days of consummation. | 3.27.26-Client provided COC, Satisfied. | 3.27.26-Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 38 months of 0x30 mortgage history per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 222 months of 0x30 consumer credit history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42.33 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 759 qualifying mid-score per CBR.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has 15 years in the XXX. |
| 305062089 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 662 >2 points above guideline program minimum of 660.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, 5 years and 1 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets of $19,073.86 / $3,217.45 = 5.93 months of post close reserves and 3 months of reserves required.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.56% is below the minimum program requirements of 50% |
| 305062088 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied D | PRVAAPPR2300 | Missing Second Appraisal required per guidelines | No | Missing AVM or Desktop as required per guidelines when appraisal is transferred | 3-2-26: Client uploaded AVM. | 3-2-26: Clayton reviewed AVM, value supported. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $69,533.38 or 29.64 months of PITIA. 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of689 is above the required 680<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 6% |
| 305062082 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 51%; guidelines allow 80%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 756 is above minimum program requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.50% is below the guideline maximum of 50%. |
| 305062081 | XXXXXX | XXXXXX | VA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 12.94 months of reserves in file.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 257 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV per review; 85% LTV is maximum allowed per guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21.1 years living at primary residence. |
| 305062078 | XXXXXX | XXXXXX | PA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | Bank statement support 11 NSF in the last 12 months. Per guidelines 1.7.6.3, cannot exceed 8 occurrences in last 12 months. Clayton determines this is non material as borrower has been in this same business for 20 years, NSFs are due to timing with seasonal business and projects and are not indicative of business viability. Borrower also has experience with investment properties, maintaining excellent credit with score of 717/620 minimum, DTI of 26.73%/50% allowed, and LTV of 59.41% with 80% allowed. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 20 yrs in the same profession<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $33,882.82, 5.46 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 717 exceeds the minimum of 620<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Payment reduced $3170.25/month or 33.8%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 59.41% is below the maximum of 80%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 2% revolving credit utilized<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 26.73% is below the maximum of 50% |
| 305062068 | XXXXXX | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 685 FICO score is above the 660 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 4 years of mortgage history is above the required 1.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments in the last 12 months. |
| 305062056 | XXXXXX | XXXXXX | IN | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of711 is above the required 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $72761.37 or 47.37 months of PITIA. 3 months required.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of123 months exceeds the required 12 months |
| 305062041 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 85% max.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $193,451.47, 74.20 months. 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 742 FICO score is above the 660 min |
| 305062039 | XXXXXX | XXXXXX | WI | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | LTV/CLTV | Active B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 80% is above the maximum of 75% for cash out refinance. Subject loan paid off a PIK mortgage to XXX - per VOM and note in file indicating no monthly payments - All interest due is collected at time of payoff. Per Guidelines (sec 1.4.1.1) The transaction must be as a cash out refinance if encumbered by a Loan that allows for Paid in Kind (PIK) interest .Clayton deems non-material/non-fatal to lending decision as borrower received $0 cash back and compensating factors: Credit score of 781/700 minimum, 9.60 months cash reserves/3 required, Over 7 years owning primary residence, and 91 months 0 x 30 on mortgage/12 required. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 781 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 91 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 9.60 months of reserves in file. 3 months required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Over 7 years owning primary residence. |
| 305062036 | XXXXXX | XXXXXX | AL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $267,256.59, 93.42 months. No reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 676. Guideline minimum 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75%. Guideline maximum 80%. |
| 305062030 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history of85 months with no lates.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of692 is above the required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $439831.47 or 245.91 months of PITIA. 0 months required. |
| 305062025 | XXXXXX | XXXXXX | CO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $5,000, 1.24 months; 0 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 is above minimum program requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; guidelines allow 80%. |
| 305062018 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of794 is above the required 740<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $135,895.71 or 113.36 months of PITIA. 3 months required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 8% |
| 305062010 | XXXXXX | XXXXXX | VA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 121.84 months of reserves are above the required 3.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 FICO score is above the 700 min.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 4 years of mortgage history is above the required 1. |
| 305062007 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Credit | Credit/Mtg History | Satisfied | CRDCRMH2662 | Number of mortgaged properties exceeds guideline limit | No | Missing approved credit committee review for borrower having more than 4 XXX financed properties. Fraud report indicates 4 Active MERS with XXX as lender + subject = 5 XXX financed properties. | 2-25-26: Client uploaded credit committee approval for borrower for 7 total loans. | 2-25-26: Clayton reviewed credit committee approval for borrower for 7 total loans. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $90,202.69 or 102.48 months piti reserves. 9 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 758 exceeds required 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 99 months of consumer credit history with no lates. |
| 305062007 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt D C | N/A | N/A D C | N/A | N/A | Property Valuations | Appraisal | Satisfied D | PRVAAPPR3116 | Missing updated valuation | No | Missing updated valuation to support original appraised value | 2-25-26: Client uploaded desk review. | 2-25-26: Clayton reviewed desk review, value is supported. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $90,202.69 or 102.48 months piti reserves. 9 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 758 exceeds required 700.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 99 months of consumer credit history with no lates. |
| 305062006 | XXXXXX | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | CMPTRID3662 | TRID - Corrected CD should have been provided; APR is less than APR three business days prior to closing by more than allowable tolerance | No | APR increased due to increase in Prepays. Initial CD: 2/18/2026 APR Stated as 7.702%, Final CD: 3/3/2026 APR Stated as 7.745%, for a difference of 0.143% which exceeds the tolerance of 0.125%. | 3.20.26-Client provided a PCCD. Provide mavent testing for fee comparisons.3.23.26-Client provided Mavent report. Sent for second review.XXX3.23.26-Satisfied.XXX | 3.23.26-Satisfied XXX | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 9.1 years employed with XXX.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 41 months of 0x30 mortgage history per VOM.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 9.1 years in the Construction industry.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 662 qualifying credit score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 133 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.04% LTV per review; 75% LTV is maximum allowed per guidelines.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 3.2 years living at primary residence. |
| 305062002 | XXXXXX | XXXXXX | MO | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 72.302%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $90,937, 116.07 months; 9 months required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 758 is 18 points above minimum program requirement of 740. |
| 305061998 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing document to clear SSN alert on Fraud report | 3-11-26 Client replied: uploaded SSA-89 to clear SSN alert on fraud report | 3-11-26 Clayton reviewed SSA verification which is clear. Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.36% is below the maximum of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 767 exceeds the minimum of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 10% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back $164811.69, PITI $4436.91, 37.15 months reserves, 0 months required |
| 305061998 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Property Valuations | Property | Satisfied | PRVAPROP177 | Property Issues Indicated | No | Missing comments from appraiser addressing if security bars on rear windows have release latches. Photos support windows have security bars. See rear photo of property. | 3-23-26 Client replied: uploaded updated appraisal w comments from appraiser | 3-24-25 Clayton reviewed response. Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 28.36% is below the maximum of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 767 exceeds the minimum of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 10% revolving credit utilized<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back $164811.69, PITI $4436.91, 37.15 months reserves, 0 months required |
| 305061994 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied B | CMPROR2330 | ROR - Disbursement date is before end of statutory rescission period | No | Provide PCCD with Corrected Closing Date/Disbursement Date (and closing cost/cash to close if applicable). ROR last day of rescission is XX/XX/XX (midnight of date). Final CD issued XX/XX/XX reflects XX/XX/XX Disbursement. Borrower did not receive full 3 day rescission period. | 3-17-26 Client replied: PCCD was uploaded yesterday, reuploaded | 3-17-26 Clayton reviewed Final Post Close CD reflecting disbursement date of 3-4-26 which satisfies the 3 day rescission period. Exception satisfied. | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.91% is below the minimum program requirements of 50%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets of $29,810.80 / 7884.26 = 4.61 months of post close reserves and 0 months required reserves.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 1.9226%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 65.36% LTV for Subject Property is below guideline max LTV of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 723> 103 points above guideline program minimum of 620. |
| 305061993 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $153237.51 or 36.05 months of PITIA. 0 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 79.99 is below the maximum allowable of 90<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of784 is above the required 720 |
| 305061987 | XXXXXX | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 55% LTV for Subject Property is below guideline max LTV of 80%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 34.966%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 672 > 52 points above guideline program minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 65.24 months of reserves exceeds guideline requirements of 0 months. |
| 305061967 | XXXXXX | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of 64 months exceeds the required 12 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $32,128.56, 15.96 months. No reserves required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 765 is above the required 700. |
| 305061964 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Active B | CRDINC150 | Income docs do not meet guidelines | No | CPA must attest they have completed or filed the borrowers most recent business tax return. CPA only attested he reviewed the most recent tax return. Clayton considers this non material, borrower has been in same XXX business since 1988, over 38 years, borrower has 38 months reserves with none required, credit score is 774/720 minimum, and LTV is 65.22% with 80% allowed. | 3-4-26 HEM accepts B grade | 3-9-26 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Credit score of 774 is 54 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.76% is below the guideline maximum of 50%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65.22%; guidelines allow 80%. |
| 305061963 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 5 years of mortgage history is above the required 1.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 162 months of 0x30 consumer credit history per CBR.<br>CFCFS2860: Good credit history<br> - Clayton Comments: No late payments on credit report.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 FICO score is above the 700 min. |
| 305061957 | XXXXXX | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history of8 months primary + 28 months previous exceeds the required 12 months<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal use of credit with credit usage ratio of 29%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of688 is above the required 660 |
| 305061943 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 330 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below the 80% max.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 FICO score is above the 680 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 48.5 months reserves are above the required 0. |
| 305061940 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80 is below the maximum allowable of 85.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of715 is above the required 620<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves: $144511.35 or 27.77 months of PITIA. 6 months required. |
| 305061923 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $78,004.51, 8.22 months. 6 months reserves are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 716 is above the required 700.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrowers are utilizing 1% of the available revolving credit limit. |
| 305061917 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 14.93 months of reserves are above the required 6.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 755 FICO score is above the 680 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 85% max. |
| 305061916 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 785 FICO score is above the 680 min.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 5.63 months of reserves are above the required 0.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below the 85% max. |
| 305061914 | XXXXXX | XXXXXX | NY | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 744 is 44 points above minimum program requirement of 740.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 75%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $215,908.51, 114.08 Months; 9 months required. |
| 305061902 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves = $286,323.21, 22.15 months. 6 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below the 85% max<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 812 FICO score is above the 680 min. |
| 305061901 | XXXXXX | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 743 mid-score per CBR.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 149 months of 0x30 consumer credit history per CBR.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 4 years living at primary residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 343 months of 0x30 mortgage history per CBR.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 13.39 months of reserves in file.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV per review; 85% LTV is maximum allowed per guidelines. |
| 305061888 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Insurance | Satisfied D | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Clayton reviewed master which reflects incorrect unit number, name and loan number. Provide corrected certificate of insurance for subject. | 3-24-26 Client replied: uploaded corrected master policy. XXX is the coborrower | 3-24-26 Clayton reviewed master policy update. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.97%; guidelines allows 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is above the required 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $107,645.07, 36.34 months. 0 months required. |
| 305061888 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Credit | Insurance | Satisfied D | CRDINSR848 | Missing Hazard Insurance | No | Missing master insurance for XXX and XXX. Only the master flood insurance was found. | 3-20-26 Client replied: uploaded master | 3-24-26 Clayton reviewed master which reflects incorrect unit number, name and loan number. Exception fired for incomplete HOI. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.97%; guidelines allows 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is above the required 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $107,645.07, 36.34 months. 0 months required. |
| 305061888 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Property | Active B | PRVAPROP177 | Property Issues Indicated | No | Condo project does not meet financial requirements, the project has not budgeted 10% to reserves, it is budgeting 8.322%. Clayton deems this non material as project has reserves study which addresses this and plans to correct this going forward. Additionally, borrower is long term homeowner, 12 years in primary home, has cash reserves of 36.34 months with none required, and has a credit score of 788/740 required. | 3-20-26 Client replied: XXX accepts B grade | 3-24-26 Non-material exception remains. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.97%; guidelines allows 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is above the required 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $107,645.07, 36.34 months. 0 months required. |
| 305061888 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt D B C | A | A D B C | A | A | Property Valuations | Property | Satisfied | PRVAPROP2674 | Property Issues Indicated 2 | No | Missing required inspection consistent with standards in Florida Statute 553.899. Project is over 30 years old and has more than 3 stories. | 3-20-26 Client replied: uploaded inspection | 3-24-26 Clayton reviewed reserve study which meets or exceeds all requirements set forth in the Florida Statue 718.112. Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 79.97%; guidelines allows 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 788 is above the required 740.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $107,645.07, 36.34 months. 0 months required. |
| 305061882 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied D | CRDINC3204 | Income Documentation Missing | No | Missing State verification of CPA license or CTEC certification from California per Guidelines 1.7.8. | 3-18-26 Client replied: CPA License uploaded | 3-18-26 Clayton reviewed CPA license from CA. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Back $29210.13, 6.73 months reserves, 0 months required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 736 exceeds the minimum of 660<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 7% revolving credit utilized<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 73.29% is below the maximum of 80%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 37.25% is below the maximum of 50%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 11 yrs residing in current residence |
| 305061881 | XXXXXX | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 21 years living at primary residence.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: 491 months of 0x30 consumer credit history per CBR.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75.01% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 701 mid-score per CBR. |
| 305061871 | XXXXXX | XXXXXX | WI | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Title | Satisfied | CRDTIL100 | Potential title issue | No | Borrower to provide letter of explanation to clarify why all proceeds, $XXX, are being sent to XXX instead of returned to borrower, XXX. There are no instructions to pay or payoffs found for this entity. | 3-12-26 Client emailed that borrower was purchasing another investment property. | 3-13-26 Clayton reviewed emails - no potential title issues. Exception satisfied. | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments in last 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 716 FICO score is above the 700 min<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 2 years of mortgage history is above the required 1. |
| 305061866 | XXXXXX | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: No late payments on credit report.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 757 FICO score is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 2.16 months of reserves are above the required 0. |
| 305061839 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: borrower is using only 25% of available credit<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required 12 months, Borrower Reserves $123,836.11= 18.33 months |
| 305061827 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Credit | Assets | Active B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | 6 months reserves are required: $2,629.37 x 6 = $15,776.22. Verified post-close assets $15,638.83 or 5.95 months, $137.39. Clayton determined this is non material due to compensating factors, small amount of funds, $137.39, borrower has 749 credit score/700 minimum, low DTI of 29.78% with 50% allowed, and LTV of 80% is below maximum allowed of 85%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower is not utilizing any of the revolving credit limit.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is less than the guideline maximum of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 749. Guideline minimum 700. |
| 305061827 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | A | A D B C | A | A | Property Valuations | Property | Satisfied D | PRVAPROP132 | Missing HOA Certificate/Questionnaire | No | Missing copy of inspection report consistent with standards in California SB-326 as indicated on the HOA questionnaire question 12. | 3-10-26 Client replied: Push back subject property has no balconies and all walkways/stairways are concreteno inspection is required.3-12-26 Client replied: please see the upl docs | 3-11-26 Clayton reviewed file, appraisal and condo questionnaire. Condo questionnaire answered Yes to "Is there a wood deck, balcony, stairway, walkway or railing elevated more than 6 feet above ground". A determination could not be made based on the Review of the appraisal and photos alone to determine if "no wood components are present in these structures". Provide further clarification from XXX. Exception remains. 3-16-26 Clayton reviewed UPdated Condo questionnaire indicating No to question 12. Exception satisfied. | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower is not utilizing any of the revolving credit limit.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 80% is less than the guideline maximum of 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 749. Guideline minimum 700. |
| 305061824 | XXXXXX | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: 6 years in the Septic industry.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 68.82% LTV per review; 80% LTV is maximum allowed per guidelines.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 6 years employed with High Desert Septic.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 704 mid-score per CBR.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 111 months of 0x30 mortgage history per CBR. |
| 305061819 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Application | Satisfied | CRDAPP131 | Occupancy status not supported by file documentation | No | Clarification on occupancy of subject property. Initial and Final 1003, Section 5 Declarations states both borrowers will not occupy subject as primary residence. Letter in file states they intend to occupy subject and sell current primary residence | 3-24-26 Client replied: Please see corrected 1003 - confirming subject will be primary | 3-24-26 Clayton reviewed corrected 1003 reflecting primary. Exception satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 16.1 years at primary residence.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 20.16% is below the maximum of 43%<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: 3% of revolving credit utilized<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 63.33% is below the maximum of 90%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 exceeds the minimum of 660 due to asset utilization |
| 305061798 | XXXXXX | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 11.45% is below the maximum of 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 764 exceeds the minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash Reserves $72666.75, 19.46% months reserves, 12 months required |
| 305061791 | XXXXXX | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 35.79% is below the minimum program requirements of 43%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 752 > 92 points above guideline program minimum of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves $4,050,993.54, 268.22 months of post close reserves and 9 months of post close reserves required.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower has minimal credit usage ratio of 49.311%<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 66.667% LTV for Subject Property is below guideline max LTV of 90% |
| 305061853 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | DTI | Satisfied D | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Provide a copy of signed note for XXX with PI payment of $XXX. | 3-20-26 Client replied: VC- Please see uploaded note on 3/19 | 3-24-126 Clayton reviewed Note with PI of $XXX. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 723 exceeds guideline requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.32 is below guideline requirement max of 50.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $448,338.08 or 29.25 months PITI reserve exceeds required reserves of 9 months. |
| 305061853 | XXXXXX | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Insurance | Satisfied | CRDINSR3028 | Flood Certificate has incorrect or incomplete data | No | Flood certificate reflects an address of XXX. Note reflets XXX. | 3-23-26 Client replied: VC-Please see uploaded flood cert. | 3-24-26 Clayton reviewed updated flood cert. Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Representative score of 723 exceeds guideline requirement of 680.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.32 is below guideline requirement max of 50.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $448,338.08 or 29.25 months PITI reserve exceeds required reserves of 9 months. |
| 304813375 | XXXXXX | XXXXXX | VT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of785 is above the required 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of80 is below the maximum allowable of 85%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: post closing cash reserves $171,745.77 or 41.89 months. 0 months required |
| 304813373 | XXXXXX | XXXXXX | TN | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied | CRDTER4631 | Loan parameters do not meet guidelines | No | Missing verification that this transaction meets requirements for rate term refinance, guidelines 1.4.1.2. Loan purpose appears to be buyout by co-owner pursuant to an agreement. File is missing agreement with specific financial terms and payoffs. | 8-20-25 Client uploaded buyout agreement. | 8-21-25 Clayton reviewed buyout agreement. Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified reserves of $45,978.92, 35.40 months; no reserves required on rate term refinance.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has a good credit history with no collections, charge offs, judgments or liens with 20 years history. |
| 305061789 | XXXXXX | XXXXXX | MA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 705 is above the required 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $338,458.66, 30.55 months. 3 months required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 80%; guidelines allows 85%. |
| 305061788 | XXXXXX | XXXXXX | OH | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied D | CRDLGL2277 | Note Not Executed | No | Provide Executed Note. | 2.26.26 Uploaded - EXECUTED NOTE2.26.26 exception satisfied | 2.26.26 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is above the required 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves= $94,813.36, 100.05 months; 3 months required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence of 14 years. |
| 305061786 | XXXXXX | XXXXXX | TX | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 76.04 months of reserves are above the required 0<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 713 FICO score is above the 700 min.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 74.153% LTV is below the 80% max. |
| 305061779 | XXXXXX | XXXXXX | TN | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero percent tolerance fail of $135.70. Due to Transfer Txes increased on CD issued 02/12/2026 with no/invalid internal COC in file. Provide Internal COC reflecting valid reason for the fee changes within 3 business days of change or PCCD with cure, copy of cure check, LOE to Borrower and Evidence of delivery via shipping method including tracking, within 60 days of consummation. | 3.4.26-Client provided CD issued 3/3/26, LOX, Shipping label, and copy of cure check. Satisfied. | 3.4.26- Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: $187,453.45, 22.28 months; 12 months Required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 771 is 51 points above minimum program requirement of 720.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 17.41% is below the guideline maximum of 50%. |

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## Exhibit 99.14

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.14**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Loan Compliance Grade** | **Final Securitization Loan Compliance Grade** | **Initial S&P Loan Compliance Grade** | **Final S&P Loan Compliance Grade** | **Did Lender Acknowledge Exception at Origination** |
| 304732626 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | B C A | C | B | Not Applicable |
| 304732555 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 304840747 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304840742 | XXXXXX | Yes | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 304840741 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304813607 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304813601 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 304813595 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304813586 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304813576 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Yes |
| 304813575 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304813548 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304813547 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 304813546 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840733 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 304813511 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840725 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 304813474 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304840719 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304813462 | XXXXXX | N/A | XXXXXX | XXXXXX B | A | A B | A | A | Yes |
| 304813459 | XXXXXX | N/A | XXXXXX | XXXXXX D B | N/A | N/A D B | N/A | N/A | No |
| 304813453 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304813414 | XXXXXX | N/A | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 304813407 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840706 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304840702 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304813392 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840700 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 304813381 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | No |
| 304840661 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840643 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | No |
| 304840626 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304840619 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 304840562 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304840557 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 304840555 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304840551 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 304840748 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304894216 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304840534 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 304894196 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304894177 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 304894137 | XXXXXX | Yes | XXXXXX | XXXXXX D B | N/A | N/A D B C | N/A | N/A | Not Applicable |
| 304894097 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305033009 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | No |
| 305032985 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062259 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062251 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | No |
| 305046188 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305062169 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062159 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A C B | A | A | Not Applicable |
| 305062132 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062119 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062108 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305062104 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062103 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062099 | XXXXXX | Pre-TRID | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062096 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | B C A | C | B | No |
| 305062089 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305062088 | XXXXXX | N/A | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305062082 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305062081 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305062078 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305062068 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305062056 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305062041 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062039 | XXXXXX | N/A | XXXXXX | XXXXXX B | N/A | N/A B | N/A | N/A | Not Applicable |
| 305062036 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062030 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 305062025 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062018 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305062010 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305062007 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D C | N/A | N/A | Not Applicable |
| 305062006 | XXXXXX | Yes | XXXXXX | XXXXXX | C | A C | C | A | Not Applicable |
| 305062002 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061998 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305061994 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | B C A | C | B | No |
| 305061993 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305061987 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305061967 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061964 | XXXXXX | Yes | XXXXXX | XXXXXX B | A | A B | A | A | Not Applicable |
| 305061963 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061957 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | No |
| 305061943 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305061940 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305061923 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Yes |
| 305061917 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305061916 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305061914 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061902 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305061901 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305061888 | XXXXXX | N/A | XXXXXX | XXXXXX D B | A | A D B C | A | A | Not Applicable |
| 305061882 | XXXXXX | Yes | XXXXXX | XXXXXX D | A | A D | A | A | Not Applicable |
| 305061881 | XXXXXX | N/A | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305061871 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | Not Applicable |
| 305061866 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061839 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305061827 | XXXXXX | Yes | XXXXXX | XXXXXX D B | A | A D B C | A | A | Not Applicable |
| 305061824 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305061819 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A C | A | A | Not Applicable |
| 305061798 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | Not Applicable |
| 305061791 | XXXXXX | Yes | XXXXXX | XXXXXX | A | A | A | A | No |
| 305061853 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | No |
| 304813375 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 304813373 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A C | N/A | N/A | No |
| 305061789 | XXXXXX | Yes | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | No |
| 305061788 | XXXXXX | N/A | XXXXXX | XXXXXX D | N/A | N/A D | N/A | N/A | Not Applicable |
| 305061786 | XXXXXX | N/A | XXXXXX | XXXXXX | N/A | N/A | N/A | N/A | Not Applicable |
| 305061779 | XXXXXX | Yes | XXXXXX | XXXXXX B | C | B C A | C | B | Not Applicable |

---

## Exhibit 99.15

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.15**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| *Loans In Report:* | *109* | *109* |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| *Loans In Report:* |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 304732626 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304732555 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304840747 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304840742 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304840741 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304813607 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304813601 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 304813595 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 304813586 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.44% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 |
| 304813576 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 304813575 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 |
| 304813548 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 304813547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.10% | XXXXXX | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304813546 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| 304840733 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 304813511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.12% | XXXXXX | 2.000 | 98.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304840725 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 14.58% | XXXXXX | 6.000 | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304813474 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 304840719 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304813462 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 304813459 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| 304813453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304813414 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.70% | XXXXXX | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 304813407 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 304840706 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304840702 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.99% | XXXXXX | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304813392 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304840700 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.66% | XXXXXX | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304813381 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304840661 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.04% | XXXXXX | 7.000 | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 304840643 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 13.22% | XXXXXX | 6.000 | 94.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 304840626 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304840619 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304840562 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 304840557 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304840555 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 304840551 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.41% | XXXXXX | 4.000 | 96.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 304840748 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| 304894216 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304840534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |
| 304894196 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 304894177 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 304894137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304894097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 305033009 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305032985 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| 305062259 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062251 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | Full Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305046188 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062169 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 37.90% | XXXXXX | 7.000 | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062159 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 305062132 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 305062119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.25% | XXXXXX | 2.000 | 98.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| 305062108 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| 305062104 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 |
| 305062103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062099 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062096 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.56% | XXXXXX | 9.000 | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062089 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.81% | XXXXXX | 4.000 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062082 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 305062081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062078 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| 305062068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062056 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| 305062041 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062039 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 305062036 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062030 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062025 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062018 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 305062010 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305062007 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305062006 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| 305062002 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061998 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 305061994 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 305061993 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061987 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061967 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 305061964 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| 305061963 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.01% | XXXXXX | 9.000 | 91.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061957 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061943 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 305061940 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |
| 305061923 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061917 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061916 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061914 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 305061902 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061901 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061888 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 305061882 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061881 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061871 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 305061866 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.41% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 |
| 305061839 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061827 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -4.52% | XXXXXX | 3.000 | 97.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061824 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 3.04% | XXXXXX | 5.000 | 95.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061819 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061798 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061791 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| 305061853 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.16% | XXXXXX | 7.000 | 93.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| 304813375 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 304813373 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 305061789 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |
| 305061788 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305061786 | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 305061779 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* | *The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.16

[j.p. morgan acceptance corporation ii abs-15G](jpmmt-abs15g.htm)

**Exhibit 99.16**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association, through a bulk purchase. The review included a total of two hundred and eighteen (218) residential mortgage loans, in connection with the securitization identified as JPMMT 2026-NQM3 (the "Securitization"). The Review was conducted from May 2024 through March 2026 on mortgage loans originated between May 2024 through March 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

○ **Debt-Service Coverage Ratios "DSCR":** Applicable to DSCR loans, 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. For Business Purpose and Investment loans, verify the presence of a borrower executed affidavit confirming the commercial/business purpose of the loan and ensure that no other documentation in the loan file indicates the subject property is being used for non-business purposes;

○ **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.

**QM or ATR Validation / Review of 8 Key Underwriting Factors**

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

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

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

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to 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. 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;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm
 a full three (3) day rescission period was provided to the borrower(s)

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

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

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

The Compliance Review did not include any federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consolidated Analytics are dependent upon 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 and all additional property valuation documentation to determine whether
 source, format and type meet program and guideline eligibility requirements, and that
 property is in "average" condition or better. If the property requires cosmetic
 improvements (as defined by the appraiser), confirm that they do not affect habitability.

&nbsp;&nbsp;&nbsp;&nbsp;b. As
 applicable, assess rental income schedules

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. As
 applicable, assess rental income schedules

&nbsp;&nbsp;&nbsp;&nbsp;n. 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;o. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 Federal Home Loan Mortgage Corporation Loan Collateral Advisor appraisal ("LCA")
 risk score was eligible for Collateral Rep and Warranty relief. In the event the CU score
 was greater than 2.5 or the LCA appraisal risk score was not eligible for Collateral
 Rep and Warranty relief, an additional valuation product was obtained to confirm value
 was supported within 10% tolerance. In some instances, based on guidance from the seller,
 CDA's were ordered on loans that had an acceptable CU score or Collateral Rep and
 Warranty relief eligibility.

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

For loans reviewed in a post-close valuation review scenario (218 loans in total):

One hundred twenty-eight (128) loans had a Desktop Review, eight (8) loans had an AVM, ten (10) loans had a BPO, five (5) loans had a field review, and three (3) loans had a Second Appraisal. Consolidated Analytics has independent access to the Desktop Review ordered by the Aggregator.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or the AVM FSD score did not meet allowable thresholds, then a Desktop Review, Field Review, Broker Price Opinion (BPO) along with a Reconciliation of the value, or a 2nd appraisal was required.

There were zero (0) occurrences of this.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the two hundred and eighteen (218) mortgage loans reviewed, one hundred and two (102) unique mortgage loans (46.79% by loan count) had a total of one hundred and seventy-two (172) tape discrepancies across thirty-four (34) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| **Fields Reviewed** | **Discrepancy Count** | **Percentage** |
| Qualifying Total Reserves Number of Months | 34 | 19.77% |
| DSCR | 18 | 10.47% |
| Property Type | 15 | 8.72% |
| Qualifying Total Debt Income Ratio | 13 | 7.56% |
| Credit QM/ATR Designation | 13 | 7.56% |
| Application Date | 12 | 6.98% |
| Borrower 1 FTHB | 9 | 5.23% |
| Qualifying FICO | 7 | 4.07% |
| Cash Disbursement Date | 6 | 3.49% |

---

---

| | | |
|:---|:---|:---|
| Loan Purpose | 3 | 1.74% |
| Closing/Settlement Date | 3 | 1.74% |
| LTV | 3 | 1.74% |
| As-Is Value | 3 | 1.74% |
| Closing Date | 3 | 1.74% |
| PITIA | 3 | 1.74% |
| Borrower 1 Citizen | 3 | 1.74% |
| Loan Amount | 3 | 1.74% |
| Gross Rent | 2 | 1.16% |
| Property Value | 2 | 1.16% |
| T & I Payment | 2 | 1.16% |
| Note Date | 2 | 1.16% |
| Number of Units | 1 | 0.58% |
| Calculated DSCR | 1 | 0.58% |
| Qualifying Monthly P&I Amount | 1 | 0.58% |
| P&I | 1 | 0.58% |
| Escrows | 1 | 0.58% |
| Interest Rate | 1 | 0.58% |
| Qualifying Interest Rate | 1 | 0.58% |
| Prepayment Penalty | 1 | 0.58% |
| Borrower 1 Self-Employment Flag | 1 | 0.58% |
| Prepymt - May/Will Not Penalty | 1 | 0.58% |
| Originator DSCR | 1 | 0.58% |
| Mo Pymt (P&I) | 1 | 0.58% |
| Lock Date | 1 | 0.58% |
| **Grand Total** | **172** | **100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**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 | 179 | $70812627.00 | 82.11% |
| Event Grade B | 39 | $17668280.00 | 17.89% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 218 | $88480907.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 189 | 86.70% |
| Event Grade B | 29 | 13.30% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 218 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results (As applicable, 152 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 152 loans within population did not receive a Compliance Review):** | **Compliance Results (As applicable, 152 loans within population did not receive a Compliance Review):** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 61 | 92.42% |
| Event Grade B | 5 | 7.58% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 66 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 211 | 96.79% |
| Event Grade B | 7 | 3.21% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 218 | 100.00% |

---

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| Exception Type | Exception Level Grade | Exception Category | Total |
| Credit | A | No Credit Findings | 107 |
| Credit | A | No Findings | 13 |
| Credit | A | Background Report Aged | 5 |
| Credit | A | Asset Documentation Missing or Defective | 4 |
| Credit | A | Title Insurance Missing or Defective | 4 |
| Credit | A | Borrower 1 IRS Transcripts Missing | 3 |
| Credit | A | Purchase is not considered to be an Arm's Length Transaction | 3 |
| Credit | A | Note Missing or Defective | 3 |
| Credit | A | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | 3 |
| Credit | A | Title Insurance Coverage - Inadequate Coverage | 3 |
| Credit | A | Borrower 1 3rd Party VOE Prior to Close Missing | 3 |
| Credit | A | Entity Documentation - Missing or Defective | 3 |
| Credit | A | Deed Missing or Defective | 2 |
| Credit | A | Assets do not meet guideline requirements | 2 |
| Credit | A | Security Instrument Missing or Defective | 2 |
| Credit | A | Missing Income - Bank Statements | 2 |
| Credit | A | Business Purpose Affidavit/Disclosure Missing | 2 |
| Credit | A | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 2 |

---

---

| | |
|:---|:---|
| DSCR Minimum Not Met | 2 |
| Missing VOM or VOR | 2 |
| The Deed of Trust is Incomplete | 2 |
| Audited Reserves are less than Guideline Required Reserves (Number of Months) | 2 |
| Income and Employment Do Not Meet Guidelines | 2 |
| No Credit Findings | 2 |
| HO6 Insurance Policy Effective Date is after the Note Date | 2 |
| The Note is Incomplete | 1 |
| Payoff Statement Missing or Defective | 1 |
| Borrower 1 Credit Report is Expired | 1 |
| Asset 5 Does Not Meet Guideline Requirements | 1 |
| Audited HCLTV Exceeds Guideline HCLTV | 1 |
| Asset 2 Expired | 1 |
| Audited LTV Exceeds Guideline LTV | 1 |
| Guarantor Identification Missing or Defective | 1 |
| Audited DTI Exceeds Guideline DTI | 1 |
| Hazard Insurance Effective Date is after the Disbursement Date | 1 |
| Purchase Contract is Incomplete | 1 |
| Approval/Underwriting Summary Partially Provided | 1 |
| Subject Property Lease - Missing or Defective | 1 |
| AUS Partially Provided | 1 |
| Title Document Missing | 1 |
| Insufficient Assets for Reserves | 1 |
| Borrower 1 CPA Letter Missing | 1 |
| Loan Agreement Missing | 1 |
| Borrower 1 Credit Report is Missing | 1 |
| Missing Business Entity Formation Document | 1 |
| Borrower 2 IRS Transcripts Missing | 1 |
| Missing final HUD-1 from sale of non-subject property | 1 |
| PUD Rider is Missing | 1 |
| Asset 3 Expired | 1 |
| Purchase Contract is Missing | 1 |
| Missing income documentation | 1 |
| Closing Disclosure/Settlement Statement Missing or Defective | 1 |
| Missing letter of explanation | 1 |
| Closing Documentation Missing or Defective | 1 |
| Missing Personal Guaranty | 1 |
| Third Party Fraud Report not Provided | 1 |
| Missing Trust Agreement | 1 |
| Debt Service Coverage Ratio Documentation | 1 |
| Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | 1 |
| DSCR is less than guideline minimum | 1 |
| Audited CLTV Exceeds Guideline CLTV | 1 |
| ***Total Credit Grade (A) Exceptions:*** | **216** |

---

---

| | | | |
|:---|:---|:---|:---|
| | B | Entity Documentation - Missing or Defective | 11 |
| | B | Title Insurance Coverage - Inadequate Coverage | 7 |
| | B | Title Insurance Missing or Defective | 2 |
| | B | Guaranty Missing or Defective | 1 |
| | B | Loan has escrow holdback. No proof it was released provided in file | 1 |
| | B | Audited LTV Exceeds Guideline LTV | 1 |
| | B | Excessive LTV Ratio | 1 |
| | B | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | 1 |
| | B | Loan Application Missing or Defective | 1 |
| | B | Audited Reserves are less than Guideline Required Reserves (Number of Months) | 1 |
| | B | Audited Loan Amount is greater than Guideline Maximum Loan Amount | 1 |
| | B | Minimum Loan Amount Not Met | 1 |
| | B | Deed Missing or Defective | 1 |
| | B | Audited DTI Exceeds Guideline DTI | 1 |
| | B | Asset Documentation Missing or Defective | 1 |
|  | B | ***Total Credit Grade (B) Exceptions:*** | **32** |
| Compliance | A | No Compliance Findings | 47 |
| Compliance | A | TILA Right of Rescission Test | 3 |
| Compliance | A | Higher-Priced Mortgage Loan Test | 3 |
| Compliance | A | Charges That Cannot Increase Test | 2 |
| Compliance | A | eSigned Documents Consent is Missing | 2 |
| Compliance | A | Lender Credits That Cannot Decrease Test | 2 |
| Compliance | A | CD: General Form Requirements Not Met | 1 |
| Compliance | A | Qualified Mortgage Safe Harbor Threshold | 1 |
| Compliance | A | Final CD: Calculating Cash to Close Adj. and Other Credits discrepancy | 1 |
| Compliance | A | TRID: Missing Loan Estimate | 1 |
| Compliance | A | Right of Rescission is Missing | 1 |
| Compliance | A | CA AB 260 Higher-Priced Mortgage Loan Test | 1 |
| Compliance | A | TRID: Missing Closing Disclosure | 1 |
| Compliance | A | Missing Required Affiliated Business Disclosure | 1 |
| Compliance | A | TX Const, Art 16, § 50(a)(6)(M)(i) - Texas 50(a)(6) Notice for Home Equity Disclosure is not Provided | 1 |
| Compliance | A | MA 209 CMR 32.35 Higher-Priced Mortgage Loan Test | 1 |
| Compliance | A | Missing Initial Escrow Disclosure | 1 |
| Compliance | A | ***Total Compliance Grade (A) Exceptions:*** | **70** |
| Compliance | B | Missing Required Affiliated Business Disclosure | 3 |
| Compliance | B | Charges That Cannot Increase Test | 1 |
| Compliance | B | Charges That In Total Cannot Increase More Than 10% Test | 1 |
| Compliance | B | ***Total Compliance Grade (B) Exceptions:*** | **5** |
| Property | A | No Property Findings | 60 |
| Property | A | Property/Appraisal General | 4 |
| Property | A | Hazard Insurance Missing or Defective | 3 |
| Property | A | Exterior Inspection Missing or Defective | 2 |
| Property | A | Subject Property Lease - Missing or Defective | 2 |
| Property | A | Property Issue(s) are Present | 1 |
| Property | A | Third Party Valuation Product Not Provided within 10% Tolerance | 1 |
| Property | A | Excessive LTV Ratio | 1 |
| Property | A | Subject property appraisal is not on an as-is basis (Primary Value) | 1 |
| Property | A | Flood Insurance Missing or Defective | 1 |
| Property | A | Appraisal Review - Missing | 1 |
| Property | A | Condo Approval Missing | 1 |
| Property | A | No Findings | 1 |
| Property | A | ***Total Property Grade (A) Exceptions:*** | **79** |
| Property | B | Ineligible Property – Zoning Non-compliance | 3 |
| Property | B | Appraisal Missing or Defective | 2 |
| Property | B | Ineligible Property – Square Footage | 1 |
| Property | B | Completion Report or 1004D - Missing | 1 |
| Property | B | ***Total Property Grade (B) Exceptions:*** | **7** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &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 99.17

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 304889844 | XXXXX |  | Loan Purpose | XXX | XXX |  |
| 304889844 | XXXXX |  | As-Is Value | XXX | XXX | Appraisal reflets XXX |
| 304889844 | XXXXX |  | LTV | XXX | XXX | XXX: XXX/XXX |
| 304904527 | XXXXX |  | LTV | XXX | XXX |  |
| 304904527 | XXXXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304897053 | XXXXX |  | Qualifying FICO | XXX | XXX | Credit Report in file dated XX/XX/XXXX reflects XXX as median FICO credit score |
| 304684693 | XXXXX |  | Loan Purpose | XXX | XXX |  |
| 304734129 | XXXXX |  | Interest Rate | XXX | XXX | Note reflects XXX% |
| 304820208 | XXXXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304868244 | XXXXX |  | DSCR | XXX | XXX | Matches DSCR in file |
| 304867877 | XXXXX |  | DSCR | XXX | XXX | Breakdown: XXX income / XXX P&I + XXX Taxes + XXX Insurance |
| 304865053 | XXXXX |  | As-Is Value | XXX | XXX | Appraisal reflects XXX |
| 304497466 | XXXXX |  | Loan Purpose | XXX | XXX | Delayed finance |
| 304685820 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes + XXX HOA |
| 304768199 | XXXXX |  | DSCR | XXX | XXX | Monthly breakdown: XXX income/ XXX P&I + XXX insurance + XXX taxes |
| 304459204 | XXXXX |  | Qualifying FICO | XXX | XXX |  |
| 304459356 | XXXXX |  | Qualifying FICO | XXX | XXX | Using credit score from XX/XX/XXXX |
| 305053636 | XXXXX |  | Note Date | XXX | XXX | Note reflects XX/XX/XXXX |
| 305053636 | XXXXX |  | Gross Rent | XXX | XXX | Total lease rent is lower than market rent - using lease rent |
| 305053636 | XXXXX |  | PITIA | XXX | XXX | Breakdown: Monthly Payment: XXX + Hazard: XXX + Taxes: XXX + Capex: XXX |
| 305053636 | XXXXX |  | DSCR | XXX | XXX | $XXX/$XXX |
| 305053629 | XXXXX |  | Note Date | XXX | XXX | Note reflects XX/XX/XXXX |
| 305053623 | XXXXX |  | Gross Rent | XXX | XXX | Using market rent: Unit XXX: XXX Unit XXX: XXX Unit XXX: XXX Unit XXX: XXX Unit XXX: XXX |
| 305053623 | XXXXX |  | PITIA | XXX | XXX | Breakdown: Monthly Payment: XXX + Hazard: XXX + Taxes: XXX + Capex: XXX |
| 305053623 | XXXXX |  | DSCR | XXX | XXX | $XXX/$XXX |
| 304866755 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 304866755 | XXXXX |  | DSCR | XXX | XXX | XXX Lease rents / XXX PITIA = XX/XX/XXXX DSCR |
| 304908741 | XXXXX |  | Property Type | XXX | XXX | Property has XXX units |
| 304908740 | XXXXX |  | Property Type | XXX | XXX | XXX units |
| 304908740 | XXXXX |  | DSCR | XXX | XXX | XXX Market Rents / XXX PITIS = XX/XX/XXXX DSCR |
| 305050689 | XXXXX |  | Closing Date | XXX | XXX | XXX refleccts XX/XX/XXXX |
| 305050689 | XXXXX |  | PITIA | XXX | XXX | Tape is only reflecting P&I |
| 305047759 | XXXXX |  | Property Type | XXX | XXX | Subject property has XXX units |
| 305065258 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305065258 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 305065254 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305065254 | XXXXX |  | DSCR | XXX | XXX | XXX Lease Rents / XXX PITIA = XX/XX/XXXX DSCR |
| 305065253 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305047755 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 305065260 | XXXXX |  | Property Type | XXX | XXX | XXX Units |
| 304823710 | XXXXX |  | Closing Date | XXX | XXX | XXX is XX/XX/XXXX |
| 304859690 | XXXXX |  | Closing Date | XXX | XXX | XXX is XX/XX/XXXX |
| 304325913 | XXXXX |  | As-Is Value | XXX | XXX | As is value versus purchase price |
| 304325913 | XXXXX |  | T & I Payment | XXX | XXX | Taxes, insurance, and HOA |
| 304325926 | XXXXX |  | DSCR | XXX | XXX | XXXs / XXX PITIA = XX/XX/XXXX DSCR |
| 304325926 | XXXXX |  | Mo Pymt (P&I) | XXX | XXX | Interest only payment is XXX per note |
| 304325926 | XXXXX |  | T & I Payment | XXX | XXX | XXX insurance + XXX taxes = XXX TIA |
| 304495341 | XXXXX |  | DSCR | XXX | XXX | XXXs / XXX PITIA = XX/XX/XXXX DSCR |
| 304495519 | XXXXX |  | Escrows | XXX | XXX | Flood insurance escrowed on HUD |
| 304816713 | XXXXX |  | DSCR | XXX | XXX | XXXs / XXX PITIA = XX/XX/XXXX DSCR |
| 304816713 | XXXXX |  | Prepymt - May/Will Not Penalty | XXX | XXX | No PPP per Note & CD |
| 304816713 | XXXXX |  | Prepayment Penalty |  | XXX | No PPP per Note & CD |
| 304866893 | XXXXX |  | DSCR | XXX | XXX | $XXX/ XXX = XX/XX/XXXX DSCR |
| 304811745 | XXXXX |  | Loan Amount | XXX | XXX | Note Reflects XXX |
| 304811745 | XXXXX |  | P&I | XXX | XXX | Note Reflects P&I to be XXX |
| 304811745 | XXXXX |  | LTV | XXX | XXX | XXX /$XXX |
| 304824771 | XXXXX |  | DSCR | XXX | XXX | Breakdown: XXX Income / XXX P&I + XXX Insurance + XXX Taxes |
| 304898533 | XXXXX |  | Qualifying FICO | XXX | XXX | Using higher of |
| 304821274 | XXXXX |  | DSCR | XXX | XXX | Breakdown: XXX Income / XXX P&I + XXX Insurance + XXX Taxes |
| 304325970 | XXXXX |  | Application Date | XXX | XXX | Initial 1003 date vs XXX |
| 304495397 | XXXXX |  | Application Date | XXX | XXX | Per Initial 1003 |
| 305037807 | XXXXX |  | Application Date | XXX | XXX | updated Per Initial 1003 |
| 305037765 | XXXXX |  | Application Date | XXX | XXX | Verified by the initial 1003. |
| 305037660 | XXXXX |  | Application Date | XXX | XXX | Per Initial 1003 |
| 305037718 | XXXXX |  | Application Date | XXX | XXX | Per Initial 1003 |
| 305037713 | XXXXX |  | Application Date | XXX | XXX | updated Per Initial 1003 |
| 305037798 | XXXXX |  | Application Date | XXX | XXX | Per Initial 1003. |
| 305037702 | XXXXX |  | Application Date | XXX | XXX | Verified XXX using initial 1003 |
| 305050390 | XXXXX |  | Application Date | XXX | XXX | Per Initial 1003 |
| 305050650 | XXXXX |  | Application Date | XXX | XXX | Verified with the initial 1003. |
| 305050427 | XXXXX |  | Application Date | XXX | XXX | XXX/XXX/XXX, per initial application. |
| 305035646 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Per 1003 |
| 305035638 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Permanent alien per signed final loan application |
| 305035765 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | XXXhip docs provided. |
| 304897267 | XXXXX |  | Borrower 1 FTHB | XXX | XXX |  |
| 305011906 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Confirmed on the XXX |
| 305035664 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 305035646 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 305035643 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Bwr is a FTHB |
| 305035635 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 305035644 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 305035765 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| 304897267 | XXXXX |  | Borrower 1 Self-Employment Flag | XXX | XXX | Per employment data |
| 305035770 | XXXXX |  | Calculated DSCR | XXX | XXX | DSCR calc verified via AIRDNA in file. |
| 305035788 | XXXXX |  | Cash Disbursement Date | XXX | XXX |  |
| 305035822 | XXXXX |  | Cash Disbursement Date | XXX | XXX | Taken from final CD |
| 305035826 | XXXXX |  | Cash Disbursement Date | XXX | XXX | Confirmed on the final CD. |
| 305035654 | XXXXX |  | Cash Disbursement Date | XXX | XXX | XXX verified. |
| 305035831 | XXXXX |  | Cash Disbursement Date | XXX | XXX | Per Final CD |
| 305037590 | XXXXX |  | Closing/Settlement Date | XXX | XXX |  |
| 305037718 | XXXXX |  | Closing/Settlement Date | XXX | XXX | Per Final CD |
| 305037702 | XXXXX |  | Closing/Settlement Date | XXX | XXX |  |
| 305037807 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per income type |
| 305037765 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Verified by the guidelines |
| 305037590 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 305037660 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 305037718 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per Loan Approval |
| 305037713 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | updated per business purpose/loan type |
| 305037798 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per approval |
| 305037702 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Verified QM status using guideline matrix |
| 305050390 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per Lender Approval |
| 305050650 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Per approval |
| 305037601 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Updated per income type. |
| 305050427 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Non QM, per Loan Approval. |
| 305066588 | XXXXX |  | Credit QM/ATR Designation | XXX | XXX | Non QM, per Loan Approval. |
| 304873746 | XXXXX |  | Loan Amount | XXX | XXX | Confirmed with Note Document |
| 305012710 | XXXXX |  | Loan Amount | XXX | XXX | verified the XXX per the note |
| 304908668 | XXXXX |  | Lock Date | XXX | XXX | Per Lock XX/XX/XXXX |
| 304873746 | XXXXX |  | Originator DSCR | XXX | XXX | Confirmed with XXX Document |
| 304375629 | XXXXX |  | Property Type | XXX | XXX |  |
| 304841668 | XXXXX |  | Property Type | XXX | XXX | Per the Appraisal, the Subject XXX has been verified. |
| 304905169 | XXXXX |  | Property Type | XXX | XXX | The appraisal reflects the property is a PUD. The mortgage contains a PUD rider. |
| 305035729 | XXXXX |  | Property Type | XXX | XXX | Per Appraisal |
| 304495397 | XXXXX |  | Property Value | XXX | XXX | Per Appraisal vs sales price |
| 304866925 | XXXXX |  | Property Value | XXX | XXX | Per the appraisal, the lower Purchase price was used to qualify. |
| 305035788 | XXXXX |  | Qualifying FICO | XXX | XXX | FICO score verified via credit report. |
| 305035616 | XXXXX |  | Qualifying FICO | XXX | XXX | Primary wage earner fico used. |
| 305035831 | XXXXX |  | Qualifying FICO | XXX | XXX |  |
| 305035831 | XXXXX |  | Qualifying Interest Rate | XXX | XXX | XX/XX/XXXX ARM (SOFR INV |
| 305035831 | XXXXX |  | Qualifying Monthly P&I Amount | XXX | XXX | XX/XX/XXXX ARM (SOFR) INV |
| 304905169 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI inline with XXX |
| 304894301 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Per AUS |
| 305012710 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Lender ratio XXX% Auditors ratio XXX% difference is calculated income for borrower lender qualified with XXX and Auditor qualified with XXX |
| 304908668 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI of XXX% matches the lender as per the XXX |
| 305037765 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Verified by the calculations. |
| 305037713 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | updated per liabilities - DTI slightly more in Credit review due to the following: Subject rent loss is higher than lender figure by XXX along with the P&I isn't matching the note within the system for the XXX mos term Which was higher by $XXX. Also the total debt was lower in credit review than lender's on final XXX of $XXX. The DTI is only XXX% higher and is still qualifying under max DTI of XXX% |
| 305050390 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Lender DTI XXX% Audit DTI XXX%. The Lender used the XXX month bank Statement program to qualify the Borrower. Audit excluded XXX more in deposits for the month of XXX XXX The Lender income worksheet reflects deposits of XXX for the month of XXX XXX however, the bank Statement reflects XXX in deposits for the month of XXX XXX Additionally, the Lender worksheet calculation includes deposits for XXX months. |
| 305050427 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI per audit review. The lender calculated the borrower's income based on XXX months bank Statements. Audit calculated the income based on XXX months bank Statements and as a result the income was $XXX. |
| 305066588 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | XXX% DTI per audit review. Credit report and Final 1003 consistent consumer debt. UTD lender's consumer debt. Variance of $XXX. Variance does not cause DTI to exceed GL limit. |
| 304325970 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per audit of assets and PITI |
| 304866925 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per the Most recent asset Statements |
| 305035788 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305035764 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding. |
| 305035709 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305035822 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided |
| 305035719 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305035826 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Confirmed based on the asset docs in file. |
| 305035710 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035704 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets in file |
| 305035664 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035662 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets, used as reserves |
| 305035808 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Based on the assets documented and the cash out proceeds. |
| 305035772 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035761 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035654 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305035614 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Assets as documented in the loan file. |
| 305035726 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305035646 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 305035643 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305035638 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Taken from assets provided |
| 305035635 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset Statement minus reserves |
| 305035627 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Updated assets |
| 305035616 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding. |
| 305035604 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset Statement minus reserves |
| 305035602 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset docs |
| 305035831 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves are required per Investor Guidelines |
| 305035800 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | XXX months reserves required per Investor Guidelines |
| 305035729 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and housing expense |
| 305035644 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 305035765 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 305035699 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |
| 305026146 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | confirmed Per 1003 page XXX b1 has had ownership in another property in the last three years. |
| 304757057 | XXXXX |  | Cash Disbursement Date | XXX | XXX | XXX verified. |
| 305029621 | XXXXX |  | Number of Units | XXX | XXX | confirmed XXX unit property per appraisal page XXX-story building, XXX units. |
| 304907298 | XXXXX |  | Property Type | XXX | XXX | Confirmed the subject property is a XXX from the appraisal. |
| 305029621 | XXXXX |  | Property Type | XXX | XXX | verified XXX units per appraisal page XXX |
| 305026146 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit agrees with lender income and pitia. Unable to confirm total other debt, audit XXX vs lender XXX per XXX page XXX |
| 304907298 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Confirmed the audit DTI of XXX%. The final XXX and underwriting summary reflect the DTI of XXX%. |
| 305013568 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI of XXX% matches the lender DTI as per the DU/XXX |
| 304908679 | XXXXX |  | Qualifying Total Debt Income Ratio | XXX | XXX | Audit DTI of XXX% matched to the Lender as per the DU/XXX |
| 304757057 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Reserves verified. |
| 304757060 | XXXXX |  | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding |

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## Exhibit 99.18

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.18**

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| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Name** | **Seller Loan ID** | **Customer Loan ID** | **Exception ID** | **Exception ID Date** | **Exception Category** | **Exception Subcategory** | **Exception Description** | **Exception Comments** | **Seller Response** | **Reviewer Response** | **Compensating Factors** | **Exception Status** | **Cleared Date** | **Exception Approved Pre Origination** |
| XXX | XXXXX | 304789501 | XXXXX | 9/29/2025 | Property | Appraisal Documentation | Completion Report or 1004D - Missing | Appraisal is marked as "as is" but the pictures and comment reflect the living and dining room are getting the floor replaced. Please provide a 1004D or LOE confirming the completion of the flooring. | XX/XX/XXXX Waived via email XX/XX/XXXX Please see XXX b4-XXX-XXX. "XXX permits appraisals to be based on the "as is" condition of the property provided existing conditions are minor and do not affect the safety, soundness, or structural integrity of the property, and the appraiser's opinion of value reflects the existence of these conditions.". The flooring does not impact safety, soundness, or structural integrity. XX/XX/XXXX CW: Appraisal was completed 'as-is', completion of the flooring would only add to the value. There is no apparent health or safety concerns with the property so a 1004D would not be required | XX/XX/XXXX Waived via email XX/XX/XXXX Per XXX b4-XXX-XXX, "Examples of minor conditions and deferred maintenance include worn floor finishes or carpet..." The repairs currently exceed the definition of minor conditions - appraisal in file reflects flooring entirely gone. Please provide evidence that flooring has been fully completed/repaired (with an inspection, letter of completion, 1004D, etc.). Guidelines require the property to be complete and in livable condition. XXX1003: Property must be complete and in livable condition per guidelines | FICO XXX LTV 61%, XXX months reserves | Acknowledged | 1/8/2026 | D B |
| XXX | XXXXX | 304858396 | XXXXX | 10/17/2025 | Property | Flood Insurance | Flood Insurance Missing or Defective | Provided flood insurance is a quote only. Please provide flood insurance policy | XX/XX/XXXX Please see attached policy XX/XX/XXXX MM: For both purchase and refinance transactions, the flood insurance premium has been paid at either closing or prior to closing. If the flood insurance premium has been paid prior to closing, an application for sufficient coverage must be submitted along with a paid receipt. Flood insurers do not offer insurance binders for coverage like hazard insurance providers. This means that binding coverage cannot be given for flood insurance until the flood insurance provider receives payment. XX/XX/XXXX The flood insurance policy does not go in effect until the loan closes. Please see attached policy that shows the waiting period is until the loan closes. | XX/XX/XXXX Flood Insurance Received XX/XX/XXXX Evidence of flood insurance is MISSING MORTGAGEe clause XX/XX/XXXX The loan has been closed and funded. Please provide final flood policy. |  | Cleared | 11/12/2025 | C A |
| XXX | XXXXX | 304846906 | XXXXX | 10/28/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX XX/XX/XXXX months reserves | Acknowledged | 10/28/2025 | B |
| XXX | XXXXX | 304846906 | XXXXX | 10/28/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing two months consecutive bank Statements for XXX XXXX #XXX | XX/XX/XXXX Waived via email XX/XX/XXXX MM: Please see attached document that show the business was just formed in Aug XXX and the account was opened on Sept XXX No full two months can be provided since the business just opened. | XX/XX/XXXX Waived via email XX/XX/XXXX Please provide the source of deposits into the account to satisfy the seasoning requirement; XXX deposits of XXX each | DSCR XXX FICO XXX XX/XX/XXXX months reserves | Acknowledged | 1/22/2026 | C B |
| XXX | XXXXX | 304898300 | XXXXX | 11/18/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing Asset Documents. XXX months reserves < XXX months minimum reserves required | XX/XX/XXXX Attached | XX/XX/XXXX Assets received |  | Cleared | 11/21/2025 | D A |
| XXX | XXXXX | 304898063 | XXXXX | 11/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/26/2025 | A |
| XXX | XXXXX | 304889844 | XXXXX | 12/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 12/10/2025 | A |
| XXX | XXXXX | 304904527 | XXXXX | 12/4/2025 | Property | Debt Service Coverage Ratio Documentation | Subject Property Lease - Missing or Defective | Subject Property is vacant at the time of closing for a refinance transaction. Borrower must provide evidence that the property has been leased. All properties owned greater than XXX months must be occupied and leased per guidelines. | XX/XX/XXXX Please see attached SOW from the borrower, and an appraisal that confirms property was upgraded since purchase in XX/XX/XXXX with items matching the SOW. Therefore, we considered Nov XXX as the start of the XXX-month clock to have the unit rented. Attached is the SOW and the Rental Property Listing. Please clear. | XX/XX/XXXX Received |  | Cleared | 12/31/2025 | D A |
| XXX | XXXXX | 304898977 | XXXXX | 12/10/2025 | Credit | Debt Service Coverage Ratio Eligibility | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. monthly breakdown: XXX income / XXX P&I + XXX Insurance + XXX Taxes: Using Market Rents, Please opine. | XX/XX/XXXX As noted on underwriter narrative - Product is expanded - start date on leases is XX/XX/XXXX - and property is owned less than XXX months. Underwriter used guideline which allows us of lessor of actual rent or XXX% of market rent to forgo proof of security deposit and first months rent. Copies of leases used in lie of rental listings. Loan qualifies using this method. This accounts for the DSCR discrepancy on the tape. | XX/XX/XXXX Confirmed DSCR XX/XX/XXXX |  | Cleared | 1/21/2026 | C A |
| XXX | XXXXX | 304897053 | XXXXX | 12/8/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provide updated title policy reflecting XXX as proposed insured for Item XXX(a) | XX/XX/XXXX Final Title attached | XX/XX/XXXX Received |  | Cleared | 12/10/2025 | C A |
| XXX | XXXXX | 304899077 | XXXXX | 12/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 12/10/2026 | A |
| XXX | XXXXX | 304905117 | XXXXX | 12/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 12/15/2025 | A |
| XXX | XXXXX | 304892072 | XXXXX | 12/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 12/15/2025 | A |
| XXX | XXXXX | 304327672 | XXXXX | 5/31/2024 | Credit | Closing Documentation | Deed Missing or Defective | Missing Executed Conveyance Deed from XXX to XXX | XX/XX/XXXX Waived per XXX | XX/XX/XXXX Waived per XXX | FICO XXX DSCR XXX months reserves | Acknowledged | 5/31/2024 | B |
| XXX | XXXXX | 304351713 | XXXXX | 6/28/2024 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum required. | XX/XX/XXXX Waived per XXX | XX/XX/XXXX Waived per XXX | LTV XXX FICO XXX DSCR XX/XX/XXXX | Acknowledged | 6/28/2024 | B |
| XXX | XXXXX | 304327672 | XXXXX | 5/31/2024 | Credit | Borrower and Mortgage Eligibility | Debt Service Coverage Ratio Documentation | Missing XXX lease agreements for subject property located at: XXX | XX/XX/XXXX AMB: Please note that the comparable rent schedule States that there are no leases for the subject property. Additionally, the monthly rent amount on the XXX is more conservative than the amounts listed on the purchase agreement, meaning that XXX followed the most conservative calculation for the DSCR by calculating as unleased. The XXX is also dated more recently than the purchase agreement, and the lender would need to follow the most recent documentation. XX/XX/XXXX AMB: Please note that the subject property is unleased, and the DSCR was calculated with the Comparable Rent Schedule. | XX/XX/XXXX Received confirmation property is vacant. XX/XX/XXXX Addendum to purchase contract States both units are tenant occupied and leases are transferring over. |  | Cleared | 6/6/2024 | D A |
| XXX | XXXXX | 304459204 | XXXXX | 12/3/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (hurricane helene). Please provide exterior inspection following post disaster guideline requirements. | XX/XX/XXXX PDI | XX/XX/XXXX Received |  | Cleared | 12/5/2024 | D A |
| XXX | XXXXX | 304459356 | XXXXX | 12/5/2024 | Credit | Application/Processing | Loan Application Missing or Defective | Missing 1003 Loan Application (URLA - Final) | XX/XX/XXXX Waived via email | XX/XX/XXXX Waived via email | DSCR XXX FICO XXX months reserves | Acknowledged | 12/10/2024 | D B |
| XXX | XXXXX | 304459356 | XXXXX | 12/5/2024 | Property | Appraisal Documentation | Exterior Inspection Missing or Defective | Property is located in an impacted disaster area (hurricane helene). Please provide exterior inspection following post disaster guideline requirements. | XX/XX/XXXX XXX did not received a declaration per the attached map | XX/XX/XXXX Received |  | Cleared | 12/9/2024 | D A |
| XXX | XXXXX | 304636586 | XXXXX | 2/19/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Title Policy | XX/XX/XXXX Received title insurance policy |  | Cleared | 3/3/2025 | C A |
| XXX | XXXXX | 304641307 | XXXXX | 2/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 2/24/2025 | A |
| XXX | XXXXX | 304497466 | XXXXX | 3/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 3/6/2025 | A |
| XXX | XXXXX | 304493902 | XXXXX | 3/7/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX RF please see attached please clear thank you | XX/XX/XXXX Received |  | Cleared | 3/12/2025 | C A |
| XXX | XXXXX | 304692679 | XXXXX | 6/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 6/4/2025 | A |
| XXX | XXXXX | 304684693 | XXXXX | 6/10/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Missing XXX-month chain of title for subject property: XXX. | XX/XX/XXXX Title Policy | XX/XX/XXXX Received |  | Cleared | 6/11/2025 | D A |
| XXX | XXXXX | 304730274 | XXXXX | 6/30/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 6/30/2025 | A |
| XXX | XXXXX | 304481435 | XXXXX | 2/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 2/20/2025 | A |
| XXX | XXXXX | 304685763 | XXXXX | 4/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 4/9/2025 | A |
| XXX | XXXXX | 304734129 | XXXXX | 8/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 8/6/2025 | A |
| XXX | XXXXX | 304728743 | XXXXX | 8/12/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 8/12/2025 | A |
| XXX | XXXXX | 304756734 | XXXXX | 8/20/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit XXX of XXX months does not align with client tape XXX of XXX months. Final CD and mortgage in file reflect XXX months PPP. | XX/XX/XXXX Clear | XX/XX/XXXX Received |  | Cleared | 9/3/2025 | C A |
| XXX | XXXXX | 304685820 | XXXXX | 8/20/2025 | Credit | Closing Documentation | Note Missing or Defective | Audit XXX of XXX months does not align with client tape XXX of XXX months. Final CD and mortgage in file reflect XXX months PPP. | XX/XX/XXXX The security instrument has a XXX month PPP rider attached. | XX/XX/XXXX Received |  | Cleared | 9/3/2025 | C A |
| XXX | XXXXX | 304757465 | XXXXX | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 8/21/2025 | A |
| XXX | XXXXX | 304814705 | XXXXX | 8/29/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 8/29/2025 | A |
| XXX | XXXXX | 304768199 | XXXXX | 9/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/2/2025 | A |
| XXX | XXXXX | 304745118 | XXXXX | 9/2/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived via overlay | XX/XX/XXXX Waived via overlay | FICO XXX DSCR XXX LTV 75% | Acknowledged | 9/2/2025 | B |
| XXX | XXXXX | 304736162 | XXXXX | 9/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304823358 | XXXXX | 9/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/10/2025 | A |
| XXX | XXXXX | 304813206 | XXXXX | 9/16/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/16/2025 | A |
| XXX | XXXXX | 304832996 | XXXXX | 9/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/17/2025 | A |
| XXX | XXXXX | 304748770 | XXXXX | 9/22/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/22/2025 | A |
| XXX | XXXXX | 304820208 | XXXXX | 9/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/25/2025 | A |
| XXX | XXXXX | 304840199 | XXXXX | 9/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/26/2025 | A |
| XXX | XXXXX | 304822828 | XXXXX | 9/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/26/2025 | A |
| XXX | XXXXX | 304823120 | XXXXX | 9/30/2025 | Property | Project Eligibility | Ineligible Property – Zoning Non-compliance | Subject property is zoned as commercial, which is ineligible per XXX purchase criteria | XX/XX/XXXX Waived via email XX/XX/XXXX - KJ: XXX recognizes that the subject has commercial zoning. However, there is no indication of any commercial or mixed use activity taking place on the subject property per the appraisal. The appraiser has also Stated that the property generally conforms to the neighborhood, and is subject to HOA dues which is not typical for a commercial property. | XX/XX/XXXX Waived via email XX/XX/XXXX Please escalate to XXX for approval | FICO XXX LTV 53%, XXX months reserves | Acknowledged | 10/16/2025 | C B |
| XXX | XXXXX | 304840429 | XXXXX | 10/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/2/2025 | A |
| XXX | XXXXX | 304823318 | XXXXX | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XXX1003: Clear |  | Cleared | 10/3/2025 | A |
| XXX | XXXXX | 304847862 | XXXXX | 10/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XXX1003: Clear |  | Cleared | 10/3/2025 | A |
| XXX | XXXXX | 304843762 | XXXXX | 10/6/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/6/2025 | A |
| XXX | XXXXX | 304842902 | XXXXX | 10/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/7/2025 | A |
| XXX | XXXXX | 304847829 | XXXXX | 10/9/2025 | Property | Ineligible Property | Ineligible Property – Zoning Non-compliance | Subject property is zoned as commercial, which is ineligible per XXX purchase criteria | XX/XX/XXXX Waived via email | XX/XX/XXXX Waived via email | FICO XXX LTV 75%, DSCR XX/XX/XXXX | Acknowledged | 10/16/2025 | C B |
| XXX | XXXXX | 304832988 | XXXXX | 10/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/9/2025 | A |
| XXX | XXXXX | 304848110 | XXXXX | 10/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/9/2025 | A |
| XXX | XXXXX | 304858952 | XXXXX | 10/27/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/27/2025 | A |
| XXX | XXXXX | 304847776 | XXXXX | 10/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/28/2025 | A |
| XXX | XXXXX | 304871451 | XXXXX | 10/28/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/28/2025 | A |
| XXX | XXXXX | 304860685 | XXXXX | 10/28/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX Minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/28/2025 | B |
| XXX | XXXXX | 304842883 | XXXXX | 10/29/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX months reserves | Acknowledged | 10/29/2025 | B |
| XXX | XXXXX | 304867877 | XXXXX | 10/29/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | Months Reserves XXX FICO XXX LTV 54.93% | Acknowledged | 10/29/2025 | B |
| XXX | XXXXX | 304842886 | XXXXX | 10/29/2025 | Credit | Asset Documentation | Asset Documentation Missing or Defective | Missing asset documentation. Unable to calculate reserves. | XX/XX/XXXX MM: Please see attached bank Statements | XX/XX/XXXX Received, reserves sufficient |  | Cleared | 11/4/2025 | D A |
| XXX | XXXXX | 304870080 | XXXXX | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXXXX | 304862129 | XXXXX | 10/31/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 10/31/2025 | A |
| XXX | XXXXX | 304855030 | XXXXX | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXXXX | 304843768 | XXXXX | 11/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/3/2025 | A |
| XXX | XXXXX | 304855028 | XXXXX | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXXXX | 304875158 | XXXXX | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXXXX | 304865126 | XXXXX | 11/4/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/4/2025 | A |
| XXX | XXXXX | 304868244 | XXXXX | 11/5/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/5/2025 | A |
| XXX | XXXXX | 304842882 | XXXXX | 10/29/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX LTV 64.36% | Acknowledged | 10/29/2025 | B |
| XXX | XXXXX | 304842882 | XXXXX | 10/29/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title Short Form in file is missing lender's name. Please provide updated title with lender's name & ISAOA/ATIMA verbiage | XX/XX/XXXX pleasee see attached doc JK XX/XX/XXXX | XX/XX/XXXX Received |  | Cleared | 11/18/2025 | C A |
| XXX | XXXXX | 304855029 | XXXXX | 10/30/2025 | Property | Property Data Collection or Data Integrity | Appraisal Missing or Defective | There has been an exclusionary hit on the appraiser: XXX | XX/XX/XXXX Waived via email | XX/XX/XXXX Waived via email | FICO XXX DSCR XXX months reserves | Acknowledged | 11/6/2025 | C B |
| XXX | XXXXX | 304844575 | XXXXX | 11/4/2025 | Credit | Title or Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Title Policy | XX/XX/XXXX Received |  | Cleared | 11/6/2025 | C A |
| XXX | XXXXX | 304847525 | XXXXX | 11/4/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Entity documentation in file reflects subject property as principal office address for borrowing entity. | XX/XX/XXXX - KJ: Please advise as to what documentation is being requested. The agreed upon guidelines between XXX and XXX as well as XXX Purchase criteria do not State that the subject property address must differ from the LLC's principal office address. | XX/XX/XXXX Occupancy concern, borrower's photo ID and LLC documents reflect the subject property as primary residence. However, subject is currently rented to a tenant with rent receipts. Finding clear and informational only |  | Cleared | 11/10/2025 | C A |
| XXX | XXXXX | 304893824 | XXXXX | 11/14/2025 | Property | Debt Service Coverage Ratio Eligibility | Subject Property Lease - Missing or Defective | Subject Property lease term is XXX years which makes it ineligible per guidelines. Guideline maximum Lease Term is XXX months. | XX/XX/XXXX Lease is acceptable as there are less than XXX years remaining in the XXX year term | XX/XX/XXXX Confirmed less than XXX years left in the term of the lease |  | Cleared | 11/18/2025 | C A |
| XXX | XXXXX | 304862119 | XXXXX | 11/7/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/7/2025 | A |
| XXX | XXXXX | 304875160 | XXXXX | 11/10/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Provided title insurance is a preliminary policy with no coverage amount or mortgagee clause. Please provide a title supplement with ISAOA and coverage amount to meet guideline requirements. | XX/XX/XXXX Waived via overlay | XX/XX/XXXX Waived via overlay | DSCR XXX FICO XXX LTV 25.57% | Acknowledged | 11/10/2025 | B |
| XXX | XXXXX | 304865204 | XXXXX | 11/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/10/2025 | A |
| XXX | XXXXX | 304869246 | XXXXX | 11/10/2025 | Credit | Title/Lien | Title Insurance Coverage - Inadequate Coverage | XXX Title insurance coverage < XXX minimum coverage required | XX/XX/XXXX Waived via overlay | XX/XX/XXXX Waived via overlay | months reserves XXX FICO XXX LTV 53.09% | Acknowledged | 11/10/2025 | B |
| XXX | XXXXX | 304869246 | XXXXX | 11/10/2025 | Credit | Debt Service Coverage Ratio Documentation | DSCR Minimum Not Met | Audit DSCR of XXX does not align with client DSCR of XXX. monthly breakdown: XXX income / XXX P&I + XXX Taxes + $XXX Insurance + XXX HOA Please opine. | XX/XX/XXXX tm: The underwriter used the most conservative income calculation by using total USD XXX minus taxes XXX and resolutions (XXX). XXX/XXX = XXX. The HOA fee should also be XXX due to special assessments. | XX/XX/XXXX Confirmed DSCR XX/XX/XXXX |  | Cleared | 11/18/2025 | C A |
| XXX | XXXXX | 304860674 | XXXXX | 11/10/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/10/2025 | A |
| XXX | XXXXX | 304860676 | XXXXX | 11/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/11/2025 | A |
| XXX | XXXXX | 304865196 | XXXXX | 11/13/2025 | Property | Hazard Insurance | Hazard Insurance Missing or Defective | Hazard insurance policy in file is missing the mortgagee clause and lender's name. Please provide updated hazard policy with the lender's name and ISAOA/ATIMA verbiage | XX/XX/XXXX MM: Please see attached document | XX/XX/XXXX Received |  | Cleared | 12/2/2025 | C A |
| XXX | XXXXX | 304865053 | XXXXX | 11/13/2025 | Property | Ineligible Property | Ineligible Property – Zoning Non-compliance | Subject property is zoned agricultural which is ineligible per XXX purchase criteria | XX/XX/XXXX waived via email | XX/XX/XXXX Waived via email | DSCR XXX months reserves, XXX | Acknowledged | 11/19/2025 | C B |
| XXX | XXXXX | 304868289 | XXXXX | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/17/2025 | A |
| XXX | XXXXX | 304873553 | XXXXX | 11/17/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/17/2025 | A |
| XXX | XXXXX | 304874824 | XXXXX | 11/18/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/18/2025 | A |
| XXX | XXXXX | 304844572 | XXXXX | 11/20/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/20/2025 | A |
| XXX | XXXXX | 304897021 | XXXXX | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXXXX | 304873914 | XXXXX | 11/21/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/21/2025 | A |
| XXX | XXXXX | 304898891 | XXXXX | 12/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 12/2/2025 | A |
| XXX | XXXXX | 304876023 | XXXXX | 12/2/2025 | Credit | Credit Documentation | Asset Documentation Missing or Defective | Missing two months consecutive bank Statements for XXX account #XXX | XX/XX/XXXX MM: Please see attached LOX that States the XXX account ending i XXX just opened. XXX months bank Statements cannot be provided | XX/XX/XXXX Confirmed assets in this account were deposited from other accounts owned by the borrower. Source and seasoning meets requirements |  | Cleared | 12/4/2025 | D A |
| XXX | XXXXX | 304749880 | XXXXX | 8/8/2025 | Credit | Closing Documentation | Closing Documentation Missing or Defective | Missing executed HUD/Settlement Statement | XX/XX/XXXX uploaded | XX/XX/XXXX Received |  | Cleared | 8/21/2025 | D A |
| XXX | XXXXX | 304749880 | XXXXX | 8/8/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background check for guarantor expired, guidelines require background check within XXX days of loan origination; background dated XX/XX/XXXX | XX/XX/XXXX uploaded | XX/XX/XXXX Received |  | Cleared | 8/21/2025 | C A |
| XXX | XXXXX | 305053649 | XXXXX | 9/23/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX to prove ownership of borrowing entity and XXX% of entity guarenteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 9/23/2025 | C B |
| XXX | XXXXX | 305053650 | XXXXX | 9/23/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX to prove ownership of borrowing entity and XXX% of entity guarenteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 9/23/2025 | C B |
| XXX | XXXXX | 305053648 | XXXXX | 10/1/2025 | Credit | Title/Lien | Payoff Statement Missing or Defective | Missing payoff letter for mortgage on subject property. | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/14/2025 | D A |
| XXX | XXXXX | 305053648 | XXXXX | 10/1/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/1/2025 | C B |
| XXX | XXXXX | 305053647 | XXXXX | 10/1/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/1/2025 | C B |
| XXX | XXXXX | 305053646 | XXXXX | 10/1/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/1/2025 | C B |
| XXX | XXXXX | 305053640 | XXXXX | 10/14/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/14/2025 | C B |
| XXX | XXXXX | 305053641 | XXXXX | 10/21/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/21/2025 | B |
| XXX | XXXXX | 305053641 | XXXXX | 10/21/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background report for Guarantor; XXX aged XXX days from origination, XX/XX/XXXX | XX/XX/XXXX Uploaded | XX/XX/XXXX Clear |  | Cleared | 11/3/2025 | C A |
| XXX | XXXXX | 305053644 | XXXXX | 10/21/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/21/2025 | B |
| XXX | XXXXX | 305053644 | XXXXX | 10/21/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background report for Guarantor; XXX aged XXX days from origination, XX/XX/XXXX | XX/XX/XXXX Uploaded | XX/XX/XXXX Clear |  | Cleared | 11/3/2025 | C A |
| XXX | XXXXX | 305053642 | XXXXX | 10/24/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/24/2025 | B |
| XXX | XXXXX | 305053642 | XXXXX | 10/24/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background report for guarantor XXX expired; aged XXX days from origination date | XX/XX/XXXX Uploaded | XX/XX/XXXX Clear |  | Cleared | 11/3/2025 | C A |
| XXX | XXXXX | 305053643 | XXXXX | 10/24/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement forXXX (layered entity) to prove ownership of borrowing entity and XXX% of entity guaranteeing the loan. | XX/XX/XXXX This sponsor utilizes layered entities, with various passive investors. We do not require documentation beyond our borrowing entity (the single asset LLC). Our loan is guaranteed by the active participant in the transaction. We have originated, cleared diligence and sold many of these loans to date all with this structure. The borrowers typically set up single property LLCs, with the same layered entities behind them. Please waive. | XX/XX/XXXX Waived | FICO XXX Repeat client, no DQs | Acknowledged | 10/24/2025 | B |
| XXX | XXXXX | 305053643 | XXXXX | 10/24/2025 | Credit | Borrower Requirements Not Met | Background Report Aged | Background report for guarantor XXX expired; aged XXX days from origination date | XX/XX/XXXX Uploaded | XX/XX/XXXX Clear |  | Cleared | 11/3/2025 | C A |
| XXX | XXXXX | 305053638 | XXXXX | 11/13/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance is missing the mortgagee clause. | XX/XX/XXXX Updated insurance uploaded | XX/XX/XXXX Received |  | Cleared | 12/18/2025 | C A |
| XXX | XXXXX | 305053636 | XXXXX | 1/5/2026 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | XXX (XXX% owner of XXX LLC) and XXX (XXX% owner of XXX XXX) not guaranteeing. All loans should have executed personal guarantees by XXX% of the entity's ownership. | XX/XX/XXXX Please waive with comp factors of XX/XX/XXXX DSCR, XXX, after closing assets of >$XXX | XX/XX/XXXX Waived | XX/XX/XXXX DSCR, XXX x XXX x XXX months reserves | Acknowledged | 1/13/2026 | D B |
| XXX | XXXXX | 305053635 | XXXXX | 1/5/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 1/5/2026 | A |
| XXX | XXXXX | 305053623 | XXXXX | 1/5/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 1/5/2026 | A |
| XXX | XXXXX | 305053636 | XXXXX | 1/5/2026 | Property | Ineligible Property | Ineligible Property – Square Footage | Subject Property square footage is XXX square feet for all units. Minimum square footage for XX/XX/XXXX units is XXX square feet per guidelines. | XX/XX/XXXX Please waive with comp factors of XX/XX/XXXX DSCR, XXX, after closing assets of >$XXX | XX/XX/XXXX Waived | XX/XX/XXXX DSCR, XXX x XXX x XXX months reserves | Acknowledged | 1/13/2026 | C B |
| XXX | XXXXX | 305053633 | XXXXX | 1/7/2026 | Credit | Loan Amount | Minimum Loan Amount Not Met | XX/XX/XXXX XXX Minimum XXX per guidelines: XXX | XX/XX/XXXX Management waived with compensating factors of XXX FICO, XX/XX/XXXX DSCR, 6X assets required | XX/XX/XXXX Waived | XXX FICO, XX/XX/XXXX DSCR, XXX months reserves | Acknowledged | 1/21/2026 | C B |
| XXX | XXXXX | 305053629 | XXXXX | 1/23/2026 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines. | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 1/23/2026 | A |
| XXX | XXXXX | 304866755 | XXXXX | 12/11/2025 | Credit | Assets | Asset Documentation Missing or Defective | Missing XXX% access letter from XXX, giving XXX full access to the funds in the joint XXX acct #XXX and XXX acct #XXX | XX/XX/XXXX Access letter uploaded | XX/XX/XXXX Received access letter |  | Cleared | 12/12/2025 | D A |
| XXX | XXXXX | 304902530 | XXXXX | 12/15/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/15/2025 | A |
| XXX | XXXXX | 304908741 | XXXXX | 12/17/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 12/17/2025 | A |
| XXX | XXXXX | 304908740 | XXXXX | 1/6/2026 | Property | Borrower and Mortgage Eligibility | Excessive LTV Ratio | LTV of 87.21% > XXX% Max LTV. The BPO variance is XXX% below the appraised value. Per guidelines, "BPO value used when BPO is more than XXX% below appraised value." | XX/XX/XXXX BPO Uploaded | XX/XX/XXXX Received BPO |  | Cleared | 1/13/2026 | C A |
| XXX | XXXXX | 305050689 | XXXXX | 2/27/2026 | Credit | Property Data Collection | Subject Property Lease - Missing or Defective | Missing Lease Agreement for subject property: XXX | XX/XX/XXXX Lease uploaded | XX/XX/XXXX Received Lease |  | Cleared | 3/5/2026 | D A |
| XXX | XXXXX | 305047759 | XXXXX | 3/5/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 3/5/2026 | A |
| XXX | XXXXX | 305065253 | XXXXX | 3/10/2026 | Property | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 3/10/2026 | A |
| XXX | XXXXX | 305065254 | XXXXX | 3/10/2026 | Credit | Borrower and Mortgage Eligibility | Guarantor Identification Missing or Defective | Missing ID for the Borrower: XXX | XX/XX/XXXX ID uploaded | XX/XX/XXXX Received ID |  | Cleared | 3/11/2026 | D A |
| XXX | XXXXX | 305065258 | XXXXX | 3/10/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 3/10/2026 | A |
| XXX | XXXXX | 305047755 | XXXXX | 3/11/2026 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 3/11/2026 | A |
| XXX | XXXXX | 305065260 | XXXXX | 3/12/2026 | Property | Appraisal | Appraisal Review - Missing | Missing Appraisal Review for property located at : XXX | XX/XX/XXXX Uploaded BPO | XX/XX/XXXX Received BPO |  | Cleared | 3/13/2026 | D A |
| XXX | XXXXX | 304511305 | XXXXX | 3/19/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 3/19/2025 | A |
| XXX | XXXXX | 304823807 | XXXXX | 8/27/2025 | Credit | Loan Documentation | Note Missing or Defective | Missing Note for borrower XXX | XX/XX/XXXX Closing Package | XX/XX/XXXX Received Closing Package |  | Cleared | 8/29/2025 | D A |
| XXX | XXXXX | 304823807 | XXXXX | 8/27/2025 | Credit | Loan Documentation | Security Instrument Missing or Defective | Missing Security Instrument for borrower XXX | XX/XX/XXXX Closing Package | XX/XX/XXXX Received Closing Package |  | Cleared | 8/29/2025 | D A |
| XXX | XXXXX | 304823793 | XXXXX | 8/27/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/27/2025 | A |
| XXX | XXXXX | 304812660 | XXXXX | 8/29/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 8/29/2025 | A |
| XXX | XXXXX | 304823710 | XXXXX | 9/24/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 9/24/2025 | A |
| XXX | XXXXX | 304844248 | XXXXX | 10/14/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines |  |  |  | Cleared | 10/14/2025 | A |
| XXX | XXXXX | 304843962 | XXXXX | 10/16/2025 | Property | Insurance | Hazard Insurance Missing or Defective | Hazard Insurance is missing an expiration date. | XX/XX/XXXX HOI certificate in file matches the binder. it lists both the effective and expiration date. | XX/XX/XXXX Rescind |  | Cleared | 10/21/2025 | C A |
| XXX | XXXXX | 304859690 | XXXXX | 10/30/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines. |  |  |  | Cleared | 10/30/2025 | A |
| XXX | XXXXX | 304325913 | XXXXX | 6/11/2024 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Resolved |  | A |
| XXX | XXXXX | 304325926 | XXXXX | 7/1/2024 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Resolved |  | A |
| XXX | XXXXX | 304495341 | XXXXX | 1/21/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Resolved |  | A |
| XXX | XXXXX | 304495519 | XXXXX | 2/3/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Resolved |  | A |
| XXX | XXXXX | 304816713 | XXXXX | 7/25/2025 | Credit | No Findings | No Credit Findings | The loan meets all applicable guidelines |  |  |  | Resolved |  | A |
| XXX | XXXXX | 304866893 | XXXXX | 9/29/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX Deed | XX/XX/XXXX Received Deed |  | Resolved | 10/1/2025 | D A |
| XXX | XXXXX | 304827838 | XXXXX | 11/20/2025 | Credit | Loan Documentation | Deed Missing or Defective | MISSING CONVEYANCE DEED from XXX to XXX | XX/XX/XXXX Deed | XX/XX/XXXX Received Deed |  | Resolved | 11/21/2025 | D A |
| XXX | XXXXX | 304811655 | XXXXX | 8/13/2025 | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 8/13/2025 | A |
| XXX | XXXXX | 304811745 | XXXXX | 8/14/2025 | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 8/14/2025 | A |
| XXX | XXXXX | 304811692 | XXXXX | 8/13/2025 | Credit | Title or Lien | Title Insurance Missing or Defective | Title insurance policy in file is MISSING MORTGAGEe clause after lender's name. Please provide updated policy with ISAOA/ATIMA verbiage after lender's name. | XX/XX/XXXX Updated Title | XX/XX/XXXX Received |  | Cleared | 8/21/2025 | C A |
| XXX | XXXXX | 304811693 | XXXXX | 8/21/2025 | No Findings | No Findings | No Findings | The loan meets all the applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 8/21/2025 | A |
| XXX | XXXXX | 304779704 | XXXXX | 9/3/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/3/2025 | A |
| XXX | XXXXX | 304779654 | XXXXX | 9/3/2025 | Credit | Closing Documentation | Guaranty Missing or Defective | Guaranty Missing | XX/XX/XXXX This is SDIRA Loan - Non-Recourse loan, Guaranty document is not required. Please waive. | XX/XX/XXXX Waived | DSCR XXX FICO XXX LTV 49.76% | Acknowledged | 9/22/2025 | D B |
| XXX | XXXXX | 304779654 | XXXXX | 9/3/2025 | Credit | Borrower Requirements Not Met | Entity Documentation - Missing or Defective | Missing operating agreement for XXX,XXX (owner of XXX) | XX/XX/XXXX Entity Documentation | XX/XX/XXXX Received |  | Cleared | 9/18/2025 | D A |
| XXX | XXXXX | 304779654 | XXXXX | 9/3/2025 | Credit | Credit Eligibility | Insufficient Assets for Reserves | Audited Reserves of XXX month(s) are less than Guideline Required Reserves of XXX month(s) | XX/XX/XXXX HUD from refianance transaction which provided the funds for this purchase | XX/XX/XXXX Received |  | Cleared | 9/29/2025 | C A |
| XXX | XXXXX | 304779718 | XXXXX | 9/3/2025 | Credit | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/3/2025 | A |
| XXX | XXXXX | 304779790 | XXXXX | 8/29/2025 | Credit | Closing Documentation | Security Instrument Missing or Defective | Missing MERS ID, client requires all loans to be on MERS | XX/XX/XXXX MIN | XX/XX/XXXX Received |  | Cleared | 10/8/2025 | C A |
| XXX | XXXXX | 304779748 | XXXXX | 9/5/2025 | No Findings | No Findings | No Findings | This loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/5/2025 | A |
| XXX | XXXXX | 304779671 | XXXXX | 9/8/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/8/2025 | A |
| XXX | XXXXX | 304779662 | XXXXX | 9/8/2025 | Credit | Closing Documentation | Closing Disclosure/Settlement Statement Missing or Defective | Missing Settlement Statement | XX/XX/XXXX Settlement Statement | XX/XX/XXXX Received |  | Cleared | 9/18/2025 | D A |
| XXX | XXXXX | 304898625 | XXXXX | 9/8/2025 | Property | Appraisal Data Integrity | Appraisal Missing or Defective | There has been an exclusionary hit on the appraiser: XXX | XX/XX/XXXX Waived via email | XX/XX/XXXX Waived via email | DSCR XXX FICO XXX Months Reserve XXX | Acknowledged | 1/5/2026 | C B |
| XXX | XXXXX | 304779678 | XXXXX | 9/9/2025 | Credit | Credit Documentation | Entity Documentation - Missing or Defective | Missing Articles of Incorporation for XXX | XX/XX/XXXX Entity Documentation | XX/XX/XXXX Received |  | Cleared | 9/18/2025 | D A |
| XXX | XXXXX | 304779719 | XXXXX | 9/9/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/9/2025 | A |
| XXX | XXXXX | 304824836 | XXXXX | 9/15/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/15/2025 | A |
| XXX | XXXXX | 304824771 | XXXXX | 9/19/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/19/2025 | A |
| XXX | XXXXX | 304824803 | XXXXX | 9/24/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 9/24/2025 | A |
| XXX | XXXXX | 304728987 | XXXXX | 6/26/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 6/26/2025 | A |
| XXX | XXXXX | 304728981 | XXXXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXXXX | 304728925 | XXXXX | 7/2/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 7/2/2025 | A |
| XXX | XXXXX | 304898534 | XXXXX | 12/11/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 12/11/2025 | A |
| XXX | XXXXX | 304898533 | XXXXX | 11/25/2025 | No Findings | No Findings | No Findings | The loan meets all applicable guidelines | XX/XX/XXXX Clear | XX/XX/XXXX Clear |  | Cleared | 11/25/2025 | A |
| XXX | XXXXX | 304821274 | XXXXX | 9/16/2025 | Credit | LTV or ARLTV | Excessive LTV Ratio | 80% LTV > XXX% max LTV allowed for FICO below XXX | XX/XX/XXXX Waiver in file | XX/XX/XXXX Waiver in file | Excess DSCR: XXX depth of prior housing history XXX years | Acknowledged | 9/16/2025 | B |
| XXX | XXXXX | 304325970 | XXXXX | 06/25/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/25/2024 | A |
| XXX | XXXXX | 304325970 | XXXXX | 06/25/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 06/25/2024 | A |
| XXX | XXXXX | 304375629 | XXXXX | 08/13/2024 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/13/2024 | A |
| XXX | XXXXX | 304375629 | XXXXX | 08/13/2024 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 08/13/2024 | A |
| XXX | XXXXX | 304495397 | XXXXX | 03/06/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing | Document Uploaded. | Required Affiliated Business Disclosure Documentation Provided; Affiliated attestation provided; Exception resolved | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 03/06/2025 | B A |
| XXX | XXXXX | 304495397 | XXXXX | 02/27/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304495397 | XXXXX | 02/27/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Cleared | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 65% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 65% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/27/2025 | A |
| XXX | XXXXX | 304841668 | XXXXX | 09/04/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% | Resolved | 09/04/2025 | A |
| XXX | XXXXX | 304841668 | XXXXX | 09/04/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 60% is less than Guideline CLTV of 70% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 60% is less than Guideline LTV of 70% | Resolved | 09/04/2025 | A |
| XXX | XXXXX | 304841676 | XXXXX | 09/11/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.77% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/11/2025 | A |
| XXX | XXXXX | 304841676 | XXXXX | 09/11/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 69.77% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 69.77% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 09/11/2025 | A |
| XXX | XXXXX | 304866925 | XXXXX | 11/14/2025 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. Nothing in file to reflect the initial e-signature dated on or before XX/XX/XXXX. | Document Uploaded. | Evidence of eConsent is provided. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 11/14/2025 | B A |
| XXX | XXXXX | 304866925 | XXXXX | 11/14/2025 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. The most recent asset Statements verify reserves in the amount of XXX required reserves based on XXX months are XXX The assets are insufficient. | Document Uploaded. ; Document Uploaded. ; Borrower verified funds plus the gift = XXX Funds to close plus reserves = XXX Borrower has more than sufficient funds for closing plus reserves. ; Document Uploaded. ; Document Uploaded. | Received approved lender exception request; Requesting exception for XXX mos reserves. Borrower has a great income stream with very solid residual income with low DTI. Overall XXX borrower with stable recurring income. LG Exception approved for short reserves. Low DTI, high discretionary income. Compensating factors; DTI>XXX% below program requirement. High discretionary income. ; Lender exception received does not reflect a decision by XXX. Decision section of the Exception form is blank. Condition remains.; A re-review of the final CD indicates cash to close of XXX was calculated after gift funds credit of XXX was applied. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains.; Gift letters and evidence of gift receipts received. The final CD indicate the gift funds were applied – Other credits $XXX. The final cash to close on the CD is $XXX. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains. ; Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304866925 | XXXXX | 11/14/2025 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) The file verifies reserves covering XX/XX/XXXX months, the required number of Reserves per the Guidelines is XXX Months. Provided funds are insufficient to cover the reserves. | Document Uploaded. ; Document Uploaded. ; Borrower verified funds plus the gift = XXX Funds to close plus reserves = XXX Borrower has more than sufficient funds for closing plus reserves. ; Document Uploaded. ; Document Uploaded. | Received approved lender exception request; Requesting exception for XXX mos reserves. Borrower has a great income stream with very solid residual income with low DTI. Overall XXX borrower with stable recurring income. LG Exception approved for short reserves. Low DTI, high discretionary income. Compensating factors; DTI>XXX% below program requirement. High discretionary income. ; Lender exception received does not reflect a decision by XXX. Decision section of the Exception form is blank. Condition remains.; A re-review of the final CD indicates cash to close of XXX was calculated after gift funds credit of XXX was applied. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains.; Gift letters and evidence of gift receipts received. The final CD indicate the gift funds were applied – Other credits $XXX. The final cash to close on the CD is $XXX. Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. Condition remains. ; Verified assets of XXX per asset acct#XXX is not sufficient for funds to close of XXX (per final CD) and XXX months reserves of $XXX. Assets are short by XXX for reserves. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No C B |
| XXX | XXXXX | 304866925 | XXXXX | 10/24/2025 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | HPML with established XXX and met appraisal requirements, therefore, downgraded to grade A. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML compliant | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2025 | A |
| XXX | XXXXX | 304866925 | XXXXX | 10/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Cleared | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 10/24/2025 | A |
| XXX | XXXXX | 304897267 | XXXXX | 12/16/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.21% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.21% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304897267 | XXXXX | 12/16/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.21% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.21% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304897267 | XXXXX | 12/16/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 63.21% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 63.21% is less than Guideline CLTV of 80% | Resolved | 12/16/2025 | A |
| XXX | XXXXX | 304873746 | XXXXX | 12/08/2025 | Property | Property Issue | Property Issue(s) are Present | One or more issues or defects with the property have been discovered. Ineligible property per Guidelines. Property is zoned Agricultural/Residential. | Document Uploaded. Per guides Agriculture/Residential are eligible. Please remove. | ; Per GL for DSCR V XXX and per the document uploaded, Pg XXX & XXX this property is zoned Rural, XX/XX/XXXX Ineligible XXXs, Rural Zoned properties are ineligible. |  | Rescinded |  | A |
| XXX | XXXXX | 304873746 | XXXXX | 12/08/2025 | Credit | Missing Doc | Third Party Fraud Report not Provided | Missing Third Party Fraud Report | Document Uploaded. Fraud Report was in original file. Please clear. | ; Third Party Fraud Report is provided |  | Rescinded |  | A |
| XXX | XXXXX | 304873746 | XXXXX | 12/05/2025 | Compliance | Data | No Compliance Findings | Transaction meets BP guidelines. Transaction is a DSCR cash out refinance and is exempt from TRID/QM. According to the BP letter on page XXX that no part of the proceeds of the loan will be used for consumer purpose. The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only |  | Resolved | 12/05/2025 | A |
| XXX | XXXXX | 305035788 | XXXXX | 01/08/2026 | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in recording fees on the revised LE. The COC in file indicates the reason for the increase was due to XXX change but that is not considered a valid reason for an increase in recording fees This loan failed the charges that in total cannot increase more than XXX% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than XXX% XXX exceed the comparable charges XXX by more than XXX% Please see the table that displays the Charges That Cannot Increase More Than XXX% for a comparison of the data between the provided disclosures n estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than XXX percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 305035788 | XXXXX | 12/19/2025 | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Audited XXX of XXX is greater than the Guideline Maximum XXX of XXX The loan file contains a lender exception request form, granting approval for XXX to exceeds XX/XX/XXXX M. The lender identified the following compensating factors to justify the approval - XXX credit history, minimum use of consumer credit, excessive reserves, XXX-months total, strong residual income, XXX total, and low DTI. Exception downgraded to a level 2/B. | please rescind. | The XXX exceeds the maximum amount per guidelines. However, the Lender approved a credit exception to allow for the higher XXX, citing compensating factors of an XXX credit history, minimal use of consumer credit, excessive reserves, strong residual income and a low DTI. Acknowledged and downgraded. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes C B |
| XXX | XXXXX | 305035788 | XXXXX | 12/17/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 12/17/2025 | A |
| XXX | XXXXX | 305035788 | XXXXX | 12/17/2025 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 75% exceeds Guideline LTV of 70% FICO at XXX for FICO of XXX exceeding XXX, owner occupied max LTV is 70%, loan was approved at XXX% The loan file contains an exception for the XXX, but not for the CLTV. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes B |
| XXX | XXXXX | 305011906 | XXXXX | 01/02/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing VVOE requires Evidence of Current work (executed contracts or signed invoices), Evidence of current work receipts, Business website demonstrating activity supporting current business operations. VVOE in file is signed by VVOE specialist and has attached SOS website information. This does not meet requirements in Guidelines. | Document Uploaded. VVOE and Snapshot | Borrower 1 3rd Party VOE Prior to Close Was Provided; Client provided VVOE and USDOT Number search that reflects active carrier as of XX/XX/XXXX. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2026 | D A |
| XXX | XXXXX | 305011906 | XXXXX | 01/02/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Income and Employment Do Not Meet Guidelines A business narrative is required from the borrower to describe the type of business and number of employees | Document Uploaded. Business Narrative | Income and Employment Meet Guidelines; Business Narrative provided | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/02/2026 | C A |
| XXX | XXXXX | 305011906 | XXXXX | 12/19/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 305011906 | XXXXX | 12/19/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 64% is less than Guideline LTV of 80% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 64% is less than Guideline CLTV of 80% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/19/2025 | A |
| XXX | XXXXX | 304905169 | XXXXX | 01/08/2026 | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | The Final 1003 indicates property on XXX was sold. The associated mortgage payment of XXX with XXX was not included in the XXX DTI calculation, but was included in the DU DTI calculation. The file contains an unsigned Closing Disclosure (CD) dated XX/XX/XXXX indicating property was sold to a relative, but there is a credit supplement dated XX/XX/XXXX indicating that the XXX mortgage is still open. Confirm the status of the property. If the property has not sold, provide a mortgage account Statement from XXX. If the property did sell, provide the final, executed CD. | Document Uploaded. AUS and CD | Client provided updated 1008 and 1003 reflect the property being retained. The property was added into LM matches original DU. Cleared. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/08/2026 | D A |
| XXX | XXXXX | 304905169 | XXXXX | 12/23/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304905169 | XXXXX | 12/23/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/23/2025 | A |
| XXX | XXXXX | 304894301 | XXXXX | 01/06/2026 | Credit | Missing Doc | AUS Partially Provided | AUS Partially Provided AUS to remove risk factor #XXX- Valid XXXX ARM plan not provided. #XXX #XXX | Document Uploaded. ; disregard previous comment and business entity upload, wrong file; Document Uploaded. CPA LETTER - BUSINESS STATUS | AUS is not incomplete; Client provided updated DU reflecting risk factor #XXX- Valid XXXX ARM plan not provided removed. Cleared.; disregard previous comment and business entity upload, wrong file. AUS Partially Provided AUS to remove risk factor #XXX- Valid XXX ARM plan not provided. #XXX #XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/06/2026 | D A |
| XXX | XXXXX | 304894301 | XXXXX | 01/02/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing The loan file was missing verification for borrower's self-employed business withXXX. The Business Entity Record was uploaded; however, it was not dated. | Document Uploaded. ; Document Uploaded. Dated Business Entity Record | Borrower 1 3rd Party VOE Prior to Close Was Provided; Provided updated XXXX Directory for XXXX dated XX/XX/XXXX. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/02/2026 | D A |
| XXX | XXXXX | 304894301 | XXXXX | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 304894301 | XXXXX | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 304897056 | XXXXX | 01/14/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304897056 | XXXXX | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception; Informational Only; Investor acknowledges exception; Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 304897056 | XXXXX | 01/07/2026 | Credit | Data | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Borrower needs XXX to close ($XXX CTC + XXX EMD + XXX reserves) but only XXX has been verified ($XXX XXX #XXX as of XX/XX/XXXX + XXX EMD cleared XX/XX/XXXX). The shortage is a result of the lender including proceeds from another property of XXX but the settlement and bank Statements show actual proceeds were only XXX (proceeds were deposited XX/XX/XXXX). Without additional verified funds, the borrower does not have sufficient assets for closing or reserves. | Document Uploaded. Documentation of sale of vacant lot and refinance of REO for funds to close. | Client provided Closing Disclosure for XXX XXXwith the Borrower receiving XXX on XX/XX/XXXX. Cleared.; Funds are found to meet guidelines. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | C A |
| XXX | XXXXX | 304897056 | XXXXX | 01/06/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of month(s) are less than Guideline Required Reserves of XXX month(s) Borrower needs XXX to close ($XXX CTC + XXX EMD + XXX reserves) but only XXX has been verified ($XXX XXX #XXX as of XX/XX/XXXX + XXX EMD cleared XX/XX/XXXX). The shortage is a result of the lender including proceeds from another property of XXX but the settlement and bank Statements show actual proceeds were only XXX (proceeds were deposited XX/XX/XXXX). Without additional verified funds, the borrower does not have sufficient assets for closing or reserves. | Document Uploaded. LOX on assets, copy of settlement for vacant refi and copy of final cd from refi of REO | Client provided Closing Disclosure for XXX with the Borrower receiving XXX on XX/XX/XXXX. Cleared.; Audited Reserves of XXX month(s) are greater than or equal to Guideline Required Reserves of XXX month(s) | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2026 | C A |
| XXX | XXXXX | 304897056 | XXXXX | 01/06/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of $ are less than Guideline Required Reserves of $XXX. Borrower needs XXX to close ($XXX CTC + XXX EMD + XXX reserves) but only XXX has been verified ($XXX XXX #XXX as of XX/XX/XXXX + XXX EMD cleared XX/XX/XXXX). The shortage is a result of the lender including proceeds from another property of XXX but the settlement and bank Statements show actual proceeds were only XXX (proceeds were deposited XX/XX/XXXX). Without additional verified funds, the borrower does not have sufficient assets for closing or reserves. | Document Uploaded. LOX and documentation of sale of vacant lot and refi of REO | Client provided Closing Disclosure for XXXwith the Borrower receiving XXX on XX/XX/XXXX. Cleared.; Audited Reserves of XXX are equal to or greater than AUS Required Reserves of $XXX. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2026 | C A |
| XXX | XXXXX | 305035764 | XXXXX | 12/31/2025 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing updated credit supplement for the current 1st and 2nd mortgages with XXX showing the XX/XX/XXXX payment was made in the month due. | Document Uploaded. Page XXX of document uploaded says due for XX/XX/XXXX | Documentation is sufficient. Mortgage Statement provided. Exception resolved.; Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/31/2025 | D A |
| XXX | XXXXX | 305035764 | XXXXX | 12/24/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035764 | XXXXX | 12/24/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 12/24/2025 | A |
| XXX | XXXXX | 305035770 | XXXXX | 12/26/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 305035770 | XXXXX | 12/26/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 305035770 | XXXXX | 12/26/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/26/2025 | A |
| XXX | XXXXX | 305012710 | XXXXX | 01/27/2026 | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the XXX of XX/XX/XXXX HO-6 Insurance in file shows effective date as XX/XX/XXXX | Document Uploaded. Attached is the updated HOI binder w/ the current policy date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided; Client provided updated HOI bill for Policy for the subject property. LM Updated. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/27/2026 | C A |
| XXX | XXXXX | 305012710 | XXXXX | 01/24/2026 | Credit | Assets | Asset 2 Expired | Asset 2 Expired XXX stmt in file is dated XX/XX/XXXX, need current Statement | XX/XX/XXXX Statement provided; Document Uploaded. Lender's comments: Attached is the XXX XXX Statement. We also have provided a full year prior; Document Uploaded. Attached are updated bank Statements | Asset 2 Not Expired Or Not Applicable; Condition is not resolved. Client provided XXX bank Statements dated XX/XX/XXXX. The subject loan closed XX/XX/XXXX the Statements provided are XXX year old. XXX account numbers XXX and XXX are list as Assets for B2 on the Final 1003. Countered.; Asset 2 Expired; Client provided updated Bank Statements for XXX accounts XXX and XXX dated XX/XX/XXXX. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2026 | C A |
| XXX | XXXXX | 305012710 | XXXXX | 01/24/2026 | Credit | Assets | Asset 3 Expired | Asset 3 Expired XXX stmt in file is dated XX/XX/XXXX, need current Statement | Document Uploaded. Lender's comment: Attached is the XXX XXX Statement. We also have provided a full year prior; Document Uploaded. Attached are updated bank Statements | Asset 3 Not Expired Or Not Applicable; XXX/XXX-XXX/XXX Statement provided; Condition is not resolved. Client provided XXX bank Statements dated XX/XX/XXXX. The subject loan closed XX/XX/XXXX the Statements provided are XXX year old. XXX account numbers XXX and XXX are list as Assets for B2 on the Final 1003. Countered.; Asset 3 Expired; Client provided updated Bank Statements for XXX accounts XXX and XXX dated XX/XX/XXXX. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/24/2026 | C A |
| XXX | XXXXX | 305012710 | XXXXX | 01/07/2026 | Property | Missing Doc | Condo Approval Missing | Condo Approval Missing. Verification condo is warrantable, provide PERS, CPM approval or attestation from the lender certifying the condo is warrantable | Document Uploaded. Condo Warrantable information | Condo Approval is provided.; Client provided Uniform Mortgage Questionnaire, Budget Statement, Lender Certification and research reflecting the Condo as Non-Warrantable. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | B A |
| XXX | XXXXX | 305012710 | XXXXX | 01/07/2026 | Credit | Missing Doc | Purchase Contract is Missing | XXX is Purchase but Purchase Contract Doc is Missing |  | XXX is Purchase but Purchase Contract Doc is Missing; Purchase Contract Doc is not Missing, or is Not Applicable.; Purchase Contract Doc is not Missing, or is Not Applicable. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | D A |
| XXX | XXXXX | 305012710 | XXXXX | 01/07/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Please document total expense for primary residence XXX (principal, interest, insurance, taxes, any applicable HOA dues and secondary financing if applicable | Document Uploaded. REO docs | Client provided Final Closing Disclosure reflecting PITI, additional payment and HOA Statement with current monthly assessment. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | D A |
| XXX | XXXXX | 305012710 | XXXXX | 01/06/2026 | Compliance | Missing Doc | TRID: Missing Loan Estimate | Documentation required to clear exception: Only LE provided in file is for a different property. Please provide all applicable LE and COC for corresponding Loan. Additional conditions may apply. | Document Uploaded. LE uploaded | Initial LE provided; exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | D A |
| XXX | XXXXX | 305012710 | XXXXX | 12/31/2025 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide missing Affiliated Business Disclosure. |  | Investor Acknowledges exception | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 305035711 | XXXXX | 01/12/2026 | Credit | Missing Doc | Missing Personal Guaranty | Missing Personal Guaranty. | Document Uploaded. ; Document Uploaded. | Documentation provided is sufficient. Exception resolved.; Personal Guaranty provided.; Missing Personal Guaranty document. Exception remains. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305035711 | XXXXX | 01/12/2026 | Credit | Missing Doc | The Note is Incomplete | The Note is Incomplete Missing executed XXX addendum. | Document Uploaded. | Prepayment rider in file. Exception resolved.; The Note is Present; The Note is Incomplete; The Note is Present | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305035711 | XXXXX | 01/12/2026 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing. Must be signed at closing. | Document Uploaded. | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305035711 | XXXXX | 01/06/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Deed of Trust is missing most pages. Only pages XXX are in file. | Document Uploaded. | Documentation is sufficient. Mortgage provided. Exception resolved.; The Deed of Trust is Present and Complete; The Deed of Trust is Incomplete; The Deed of Trust is Present and Complete | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/06/2026 | D A |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of 80% exceeds Guideline HCLTV of 75% Due to DSCR below XXX | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C A |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of 80% exceeds Guideline CLTV of 75% Due to DSCR below XXX | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C A |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Eligibility | DSCR is less than guideline minimum | Qualifying DSCR of XXX is less than guideline minimum requirement of XXX No form 1007, lease or short term rental analysis found in file. Audit used XXX for rental income. | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Qualifying DSCR meets Guidelines | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C A |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Audited LTV of 80% exceeds Guideline LTV of 75% Due to DSCR below XXX | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Audited LTV of 80% is less than or equal to Guideline LTV of 80% | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C A |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Credit | Missing Doc | PUD Rider is Missing | PUD Rider is Missing | Document Uploaded. | Documentation is sufficient. PUD Rider provided. Exception resolved.; The PUD Rider is Present or is Not Applicable (XXX is PUD) | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | D A |
| XXX | XXXXX | 305035711 | XXXXX | 01/05/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Missing form 1007, lease, short term rental analysis, or AIRDNA used to calculate rental income. | Document Uploaded. | Documentation is sufficient. Short term rental analysis provided. Exception resolved.; Property/Appraisal Meets Guidelines | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/05/2026 | C A |
| XXX | XXXXX | 305035711 | XXXXX | 12/31/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 12/31/2025 | A |
| XXX | XXXXX | 305035709 | XXXXX | 01/07/2026 | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Asset 5 Does Not Meet Guideline Requirements A Gift Letter from XXX in the amount of, XXX is present in the loan file. Documentation is required to verify gift funds were received by Escrow. | Document Uploaded. | Documentation is sufficient. Wire for gift funds provided. Exception resolved.; Asset 5 Meets Guideline Requirements Or Not Applicable | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | C A |
| XXX | XXXXX | 305035709 | XXXXX | 01/07/2026 | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Borrower 1 CPA Letter Missing For P&L income programs, Guidelines require the loan file contain documentation that the CPA/CTEC/PTIN license is verified and active. Verification is required that the PTIN License of, XXX, is active. | Document Uploaded. | Documentation is sufficient. CPA Search provided. Exception resolved.; Borrower 1 CPA Letter Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | D A |
| XXX | XXXXX | 305035709 | XXXXX | 01/05/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/05/2026 | A |
| XXX | XXXXX | 305035709 | XXXXX | 01/05/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/05/2026 | A |
| XXX | XXXXX | 304908668 | XXXXX | 01/30/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing XXX Years Tax Transcripts were not available for B1 at the time of review. | Document Uploaded. B1 Transcripts | Borrower 1 IRS Transcripts Provided; Client provided IRS Transcripts for B1 for XXX and XXX Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2026 | D A |
| XXX | XXXXX | 304908668 | XXXXX | 01/30/2026 | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Borrower 2 IRS Transcripts Missing XXX Years Tax Transcripts were not available for B2 at the time of review. | Document Uploaded. B2 Transcripts | Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals XXX); Client provided IRS Transcripts for B2 for XXX and XXX Cleared. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2026 | D A |
| XXX | XXXXX | 304908668 | XXXXX | 01/30/2026 | Compliance | TRID | CD: General Form Requirements Not Met | Final CD disclosed fixed rate product and payment stream. Note and Rider provided are Fixed/Adjustable rate. Incorrect closing document provided to the consumer. Provide corrected executed Fixed rate Note, Security Instrument, removing the rider and a letter of intent to re-record. | Document Uploaded. Attestation re: prior Note destruction uploaded; Document Uploaded. Note, DOT and LOI uploaded | CD: General Form Requirements Met; Client provided Updated Fixed Rate Note, Letter of Intent to Record, Updated Deed of Trust and PUD Rider. LM Updated. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/30/2026 | C A |
| XXX | XXXXX | 304908668 | XXXXX | 01/14/2026 | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | This loan does not qualify for a safe harbor level of compliance with the qualified mortgage rule. (12 CFR §XXX(b)(XXX), (e)(XXX) his loan does not qualify for a safe harbor. The loan has an APR of XXX%. The APR threshold to qualify for a safe harbor is XXX% creditor or assignee of a qualified mortgage, that is not a higher-priced covered transaction, complies with the repayment ability requirements of paragraph (c) of this section. A creditor or assignee of a qualified mortgage, that is a higher-priced covered transaction, is presumed to comply with the repayment ability requirements of paragraph (c) of this section igher-priced covered transaction means a covered transaction with an annual percentage rate that exceeds the average prime offer rate for a comparable transaction as of the date the XXX is set by XX/XX/XXXX or more percentage points for a first-lien covered transaction, or by XX/XX/XXXX or more percentage points for a subordinate-lien covered transaction. HPML compliant | Document Uploaded. lender exception approval | Exception acknowledged. | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | Yes A |
| XXX | XXXXX | 304908668 | XXXXX | 01/12/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the Closing fee. The Closing fee was disclosed as a title/escrow fee in section C on all disclosures and then moved to section A, lender fee on final CD XX/XX/XXXX. A COC is required to determine if this was a valid change. | Document Uploaded. COC and CD uploaded | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | C A |
| XXX | XXXXX | 304908668 | XXXXX | 01/05/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Please provide Affiliated Business Disclosure within XXX business days of XXX, XX/XX/XXXX or provide confirmation the lender has no affiliates. |  | Investor acknowledges exception | Borrower has stable job time - Borrower has XXX years on job. | Acknowledged |  | No B |
| XXX | XXXXX | 304908668 | XXXXX | 01/05/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only; Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/05/2026 | A |
| XXX | XXXXX | 305035822 | XXXXX | 01/06/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | A |
| XXX | XXXXX | 305035822 | XXXXX | 01/06/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | A |
| XXX | XXXXX | 305035822 | XXXXX | 01/06/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | A |
| XXX | XXXXX | 305035719 | XXXXX | 01/06/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | A |
| XXX | XXXXX | 305035719 | XXXXX | 01/06/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | A |
| XXX | XXXXX | 305035719 | XXXXX | 01/06/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/06/2026 | A |
| XXX | XXXXX | 305035826 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.95% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.95% is less than Guideline CLTV of 90% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035826 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.95% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.95% is less than Guideline CLTV of 90% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035826 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 55.95% is less than Guideline LTV of 90% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 55.95% is less than Guideline CLTV of 90% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035710 | XXXXX | 01/12/2026 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction XXX months mortgage Statements in file from seller verifying not a family sale bail out. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 01/12/2026 | C A |
| XXX | XXXXX | 305035710 | XXXXX | 01/12/2026 | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX. HOI in file is an Application/ Binder Receipt and is not effective until XX/XX/XXXX. | Document Uploaded. | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 01/12/2026 | C A |
| XXX | XXXXX | 305035710 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035710 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035704 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035704 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035704 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035664 | XXXXX | 01/16/2026 | Credit | Missing Doc | Missing Trust Agreement | Missing Trust Agreement Trust Cert is not executed/notarized. | Document Uploaded. | Documentation is sufficient. Trust cert provided. Exception resolved.; Trust Agreement Meets Guideline Requirements | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/16/2026 | D A |
| XXX | XXXXX | 305035664 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035664 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 80% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 80% is less than Guideline LTV of 90% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035662 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035662 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035662 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 85% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 85% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035808 | XXXXX | 01/13/2026 | Credit | Missing Doc | Missing Verification of Subject Property Taxes, Insurance, HOA or Other Payments | Missing verification of the debt associated with the borrower's primary residence listed under other on the final XXX in the amount of $XXX/m. | Document Uploaded. | Documentation is sufficient. Credit supplement provided. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | D A |
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing evidence of the PITIA for the properties at XXX and XXX XXX which mortgage Statements are missing. Web search for XXX indicates possibly HOA dues are required. | Document Uploaded. ; Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Missing evidence of the PITIA for the properties at XXX and XXX. and audit conducted a web search for XXX, which indicates possibly HOA dues need to be verified. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Conflicting information in file Verbal VOE indicates the borrower has no ownership interest in XXXX but the Final 1003 indicates the borrower has greater than XXX% ownership. The borrower's ownership interest is required to be verified. |  | VVOE Documentation provided with ownership status matching Final 1003 is sufficient. Exception resolved.; Income and Employment Meet Guidelines; Income and Employment Do Not Meet Guidelines - Conflicting information in file Verbal VOE indicates the borrower has no ownership interest in XXXX but the Final 1003 indicates the borrower has greater than XXX% ownership. The borrower's ownership interest is required to be verified. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | C A |
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing - XXX IRS Transcripts to support XXX income not provided as guidelines indicate the form should be executed and XXX transcripts must validate income. | Document Uploaded. | Documentation provided is sufficient. Exception resolved.; Borrower 1 IRS Transcripts Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Borrower 1 3rd Party VOE Prior to Close Missing - Verbal VOE from employer within XXX days of the XXX. VVOE in file is dated XX/XX/XXXX and XXX is XX/XX/XXXX. | Document Uploaded. | Documentation provided is sufficient. Exception resolved.; Borrower 1 3rd Party VOE Prior to Close Was Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305035808 | XXXXX | 01/12/2026 | Credit | Missing Doc | Missing letter of explanation | Missing letter of explanation from the borrower to address the modification of the subject mortgage, which is to be paid off per guideline requirements. | Document Uploaded. Modification was not for this subject - it is for XXX. Please match up account on the mortgage rating. | Documentation provided is sufficient. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305035808 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035808 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035772 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.13% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 34.13% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035772 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.13% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 34.13% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035772 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 34.13% is less than Guideline CLTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of 34.13% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035761 | XXXXX | 01/12/2026 | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Primary Value Subject Property Appraisal is not on an As-Is Basis Missing Final Inspection 1004D as the appraisal was subject to. | Document Uploaded. ; Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable; Appraisal provided is not on an as-is basis. Repair still outstanding. Please provide a XXX update. Exception remains. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | C A |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Corrected disbursement date; exception resolved Corrected disbursement date; exception resolved |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2026 | C A |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Compliance | Missing Doc | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure The complete final CD is missing (the loan file only contains page XXX of XXX pg. XXX). | Document Uploaded. | TRID: Final Closing Disclosure Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2026 | D A |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Initial Escrow Account Disclosure is Missing | Document Uploaded. | Initial Escrow Account Disclosure is Resolved | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2026 | B A |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Compliance | Missing Doc | Right of Rescission is Missing | Right of Rescission is Missing | Document Uploaded. | Right of Rescission is Provided | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2026 | D A |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Credit | Missing Doc | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Mortgage is missing the legal description "Exhibit A". | Document Uploaded. | Documentation is sufficient. Updated Deed of Trust provided. Exception resolved.; The Deed of Trust is Present and Complete | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2026 | D A |
| XXX | XXXXX | 305035761 | XXXXX | 01/09/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Appraisal reflects a permitted rec room and a bedroom in the back of the garage. Appraiser to comment if this is an ADU as it has a sink, refrigerator, bathroom and the garage has the bedroom and advise if garage was completed in a workmanlike manner. If it's an ADU, appraisal to be updated to meet lenders guidelines for properties with an ADU. | No permanent cooking source in this living area-not an ADU. | Documentation is sufficient. Space is not an ADU. Exception resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/09/2026 | C A |
| XXX | XXXXX | 305035654 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035654 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035654 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 61.85% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 61.85% is less than Guideline LTV of 80% | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035614 | XXXXX | 01/07/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035614 | XXXXX | 01/07/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035614 | XXXXX | 01/07/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/07/2026 | A |
| XXX | XXXXX | 305035726 | XXXXX | 01/12/2026 | Credit | Missing Doc | Missing income documentation | Missing VRBO short term rental income documentation confirming DSCR calculation of XXX. DSCR subject to recalculation, upon receipt. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305035726 | XXXXX | 01/08/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2026 | A |
| XXX | XXXXX | 305035726 | XXXXX | 01/08/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/08/2026 | A |
| XXX | XXXXX | 305035646 | XXXXX | 01/12/2026 | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Borrower 1 Credit Report is Missing. Missing Credit Report for Borrower. | Document Uploaded. | Documentation provided is sufficient. Exception resolved. ; Borrower 1 Credit Report is not missing. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 305035646 | XXXXX | 01/08/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/08/2026 | A |
| XXX | XXXXX | 305035646 | XXXXX | 01/08/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/08/2026 | A |
| XXX | XXXXX | 305035643 | XXXXX | 01/08/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 01/08/2026 | A |
| XXX | XXXXX | 305035643 | XXXXX | 01/08/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 01/08/2026 | A |
| XXX | XXXXX | 305035643 | XXXXX | 01/08/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 01/08/2026 | A |
| XXX | XXXXX | 305035638 | XXXXX | 01/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.16% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.16% is less than Guideline LTV of 80% | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035638 | XXXXX | 01/09/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.16% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.16% is less than Guideline LTV of 80% | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035638 | XXXXX | 01/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.16% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.16% is less than Guideline LTV of 80% | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035635 | XXXXX | 01/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035635 | XXXXX | 01/09/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035635 | XXXXX | 01/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035627 | XXXXX | 01/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035627 | XXXXX | 01/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035627 | XXXXX | 01/09/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational |  | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035616 | XXXXX | 01/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035616 | XXXXX | 01/09/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035616 | XXXXX | 01/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 75% is less than Guideline CLTV of 90% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 75% is less than Guideline LTV of 90% | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035604 | XXXXX | 01/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035604 | XXXXX | 01/09/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035604 | XXXXX | 01/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035602 | XXXXX | 01/13/2026 | Credit | Missing Doc | Purchase Contract is Incomplete | XXX is Purchase but Purchase Contract Doc is Incomplete Purchase contract reflects personal items included in the sales price: Includes all furniture. Missing addendum for the agent credit of XXX Per lender guidelines any personal property transferred through a property sale must be deemed to have zero transfer value, as indicated by the sales contract. If any value is associated with the personal property, the sales price and appraised value must be reduced by the personal XXX for purposes of calculating the LTV/CLTV/HCLTV. | Document Uploaded. | Documentation is sufficient. Addendum provided. Exception resolved.; Purchase Contract Doc is complete. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/13/2026 | B A |
| XXX | XXXXX | 305035602 | XXXXX | 01/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035602 | XXXXX | 01/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 01/09/2026 | A |
| XXX | XXXXX | 305035831 | XXXXX | 01/14/2026 | Credit | Missing Doc | Missing Income - Bank Statements | Missing XXX XXX #XXX dated XX/XX/XXXX business Statement to properly calculate qualifying income. DTI subject to recalculation upon receipt. | Document Uploaded. | Documentation is sufficient. Bank Statement provided. Exception resolved. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305035831 | XXXXX | 01/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 305035831 | XXXXX | 01/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 85% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 85% | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 305035800 | XXXXX | 01/13/2026 | Credit | Missing Doc | Loan has escrow holdback. No proof it was released provided in file | Lender Exception in file for Escrow Holdback which is not allowed per Investor Guidelines. Lender Exception in file States to permit Escrow Holdback for roof replacement. Escrow is instructed is instructed to hold back $XXX from Sellers proceeds to apply towards the roof replacement. The remaining balance owed is to be paid directly by the borrower. Total cost not to exceed XXX based on estimate provided by XXXX (license #XXX). All work must be completed & warrantied by XXXX within XXX days of closing. Per Lender Exception: The appraiser did not indicate roof replacement in the appraisal. Roof is being replaced by choice, not by necessity. There are currently no health or safety issues present. Exception downgraded to a level 2/B. |  |  |  | Acknowledged |  | Yes D B |
| XXX | XXXXX | 305035800 | XXXXX | 01/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational |  | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 305035800 | XXXXX | 01/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational |  | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 305035729 | XXXXX | 01/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 305035729 | XXXXX | 01/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 305035729 | XXXXX | 01/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 305035644 | XXXXX | 01/14/2026 | Credit | Missing Doc | Business Purpose Affidavit/Disclosure Missing | Business Purpose Affidavit/Disclosure Missing An executed borrower Business Purpose not in the loan file. | Document Uploaded. | Documentation is sufficient. Business Purpose document provided. Exception resolved.; Business Purpose Affidavit/Disclosure Provided | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/14/2026 | D A |
| XXX | XXXXX | 305035644 | XXXXX | 01/12/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 305035644 | XXXXX | 01/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/12/2026 | A |
| XXX | XXXXX | 305035765 | XXXXX | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305035765 | XXXXX | 01/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305035765 | XXXXX | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305035699 | XXXXX | 01/13/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305035699 | XXXXX | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305035699 | XXXXX | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305037807 | XXXXX | 03/05/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2026 | A |
| XXX | XXXXX | 305037807 | XXXXX | 02/18/2026 | Compliance | Missing Doc | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX 50(a)(6) Notice for Home Equity Disclosure is not Provided | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is not Provided. Documentation Required: Evidence of date XXX XXX(a)(XXX) Notice for Home Equity Disclosure provided to Borrower | Document Uploaded. attached | XXX Const, Art 16, § 50(a)(6)(M)(i) - XXX XXX(a)(XXX) Notice for Home Equity Disclosure is Provided or Not Applicable. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/18/2026 | D A |
| XXX | XXXXX | 305037807 | XXXXX | 02/05/2026 | Credit | Eligibility | Borrower 1 Credit Report is Expired | Borrower 1 Credit Report is Expired (Greater than XXX days from the XXX). Credit report in file dated a few days after closing and there is not any new tradelines. | Document Uploaded. We have an LQI that was generated prior to XXX. ; Document Uploaded. | Borrower 1 Credit Report is not Expired.; LQ CR provided dated XX/XX/XXXX; CR dated XX/XX/XXXX provided does not satisfy condition. CR dated XX/XX/XXXX is dated after the XXX of XX/XX/XXXX. Original CR dated XX/XX/XXXX is expired. Countered. ; CR dated XX/XX/XXXX provided. ; Borrower 1 Credit Report is Expired (Greater than XXX days from the XXX). Credit report in file dated a few days after closing and there is not any new tradelines. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2026 | C A |
| XXX | XXXXX | 305037765 | XXXXX | 02/05/2026 | Compliance | Points & Fees | XXX 209 CMR 32.35 Higher-Priced Mortgage Loan Test | This loan failed the XXX 209 CMR 32.35 higher-priced mortgage loan test. (XXX 209 CMR 32.35 sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the Code of XXX Regulations hile the Code of XXX Regulations provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2026 | A |
| XXX | XXXXX | 305037765 | XXXXX | 02/05/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2026 | A |
| XXX | XXXXX | 305037765 | XXXXX | 02/05/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check, and proof of delivery or valid COC. The Lender credit decrease violation in the amount of XXX is due to the decrease of the Lender credit from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. COC which indicates change occurred on XX/XX/XXXX is not valid. | Document Uploaded. Hi, due to a system glitch the CD never updated issue date on the CD dated XX/XX/XXXX but we have proof that the CD was issues XX/XX/XXXX and sent to the Borrower 1/XXX/XXX. Please see screenshot | Lender confirmed CD issue date was incorrect; Exception resolved; Lender confirmed CD issue date was incorrect; Exception resolved | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/05/2026 | C A |
| XXX | XXXXX | 305037765 | XXXXX | 02/02/2026 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Borrower rented property from the seller for XXX years before purchasing the property. | Regarding the arms-length transaction.. here is no evidence of the borrowers having a direct relationship (familial or business) with the sellers. Per XX/XX/XXXX they were "renters purchasing from Landlord." | Purchase is considered to be an Arm's Length Transaction, or Not Applicable; Per client, "Regarding the arms-length transaction.. here is no evidence of the borrowers having a direct relationship (familial or business) with the sellers. Per XX/XX/XXXX they were "renters purchasing from Landlord." Rescinded. ; Purchase is not considered to be an Arm's Length Transaction Borrower rented property from the seller for XXX years before purchasing the property. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/02/2026 | C A |
| XXX | XXXXX | 305037765 | XXXXX | 01/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037590 | XXXXX | 01/29/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037590 | XXXXX | 01/29/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | HPML compliant; Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037590 | XXXXX | 01/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037660 | XXXXX | 02/05/2026 | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test | This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i) he loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits XXX does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to decrease from XXX to XXX for the lender credit on CD XX/XX/XXXX. | Document Uploaded. ; Lender credits were cured at closing | PCCD provided confirms changes to payee; exception resolved; PCCD provided confirms changes to payee; exception resolved; Per the final CD in file, the XXX Title-Settlement Fee was paid by a third party and not paid by the lender. Please provide a valid COC for the lender credit decrease or cure package. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.71% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.71% is less than Guideline CLTV of 70% | Resolved | 02/05/2026 | C A |
| XXX | XXXXX | 305037660 | XXXXX | 01/29/2026 | Property | Data | No Property Findings | No property finding. Property and valuations related findings were not identified on the loan. |  | HPML compliant; Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.71% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.71% is less than Guideline CLTV of 70% | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037660 | XXXXX | 01/29/2026 | Credit | Data | No Credit Findings | No credit findings. The loan meets all applicable credit guidelines. |  | HPML compliant; Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 36.71% is less than Guideline LTV of 70% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 36.71% is less than Guideline CLTV of 70% | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037718 | XXXXX | 02/07/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation to clear: The funding date of XX/XX/XXXX is on or before the the third business day following consummation. Provide certified HUD1 Settlement Statement or evidence of actual disbursement date or PCCD, LOE, new signed ROR and re-opening of rescission is required. | Document Uploaded. | PCCD provided with updated disbursement date; exception resolved; PCCD provided with updated disbursement date; exception resolved | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/07/2026 | C A |
| XXX | XXXXX | 305037718 | XXXXX | 02/02/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: The subject Deed of Trust includes a PUD Rider. The Appraisal does not indicate that the property is a PUD. The XXX reflects HOA fees of XXX. | Document Uploaded. appraisal is showing PUD; appraisal does reflect PUD | Property/Appraisal Meets Guidelines; Client provided appraisal showing PUD. ; Countered. Discrepancy remains if property is a PUD or not. DOT and XXX reflect PUD however appraisal does not. Clarification needed. ; Property/Appraisal guideline violation: The subject Deed of Trust includes a PUD Rider. The Appraisal does not indicate that the property is a PUD. The XXX reflects HOA fees of XXX. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/02/2026 | C A |
| XXX | XXXXX | 305037718 | XXXXX | 02/02/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower income from Schedule C supports Lender income. Asset depletion taken from XXX diffferent accounts with different percentages of usage so income worksheet is not accurate. Audit compared all accounts against the Lender income worksheet. XXX of the XXX accounts support the Lender income. Account ending in XXX only has XXX Statements, they used the average of XXX months. Additionally the Lender 1003 reflects the asset depletion income as XXX the XXX reflects XXX Audit used most conservative figure. The Lender used XXX for the HOI escrow, Audit used $XXX. The DTI increased from XXX% to XXX%. | XXX. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income. XXX. Account stmt with XXXX is a quarterly stmt so provided one quarter (Sept) and a year end stmt (Dec so XXX) to see the increase in the value but manually calculated the income from this asset as well so the total income is $XXX. XXX. Hazard insurance is a new policy so the one time fees charged by the insurance company did not get included in the premium of the policy as the actual premium is $XXX for qualification. | Audited DTI of XXX% is less than or equal to Guideline DTI of XXX%; Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower income from Schedule C supports Lender income. Asset depletion taken from XXX diffferent accounts with different percentages of usage so income worksheet is not accurate. Audit compared all accounts against the Lender income worksheet. XXX of the XXX accounts support the Lender income. Account ending in XXX only has XXX Statements, they used the average of XXX months. Additionally the Lender 1003 reflects the asset depletion income as XXX the XXX reflects XXX Audit used most conservative figure. The Lender used XXX for the HOI escrow, Audit used $XXX. The DTI increased from XXX% to XXX%. ; Audited DTI of XXX% exceeds Guideline DTI of XXX% Borrower income from Schedule C supports Lender income. Asset depletion taken from XXX diffferent accounts with different percentages of usage so income worksheet is not accurate. Audit compared all accounts against the Lender income worksheet. XXX of the XXX accounts support the Lender income. Account ending in XXX only has XXX Statements, they used the average of XXX months. Additionally the Lender 1003 reflects the asset depletion income as XXX the XXX reflects XXX Audit used most conservative figure. The Lender used XXX for the HOI escrow, Audit used $XXX. The DTI increased from XXX% to XXX%. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/02/2026 | C A |
| XXX | XXXXX | 305037718 | XXXXX | 02/02/2026 | Credit | Missing Doc | Approval/Underwriting Summary Partially Provided | Approval/Underwriting Summary Partially Provided. The Loan Approval reflects Asset Utilitization with DTI, but the majority of income is from schedule C so it should be Full Doc. | XXX. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income. XXX. Account stmt with XXX is a quarterly stmt so provided one quarter (Sept) and a year end stmt (Dec so XXX) to see the increase in the value but manually calculated the income from this asset as well so the total income is $XXX. XXX. Hazard insurance is a new policy so the one time fees charged by the insurance company did not get included in the premium of the policy as the actual premium is $XXX for qualification. | Approval/Underwriting Summary is fully present; Resolved. Client Stated, File is Alt Doc because we used W XXX income along with asset utilization to supplement the income.; Resolved. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income.; Approval/Underwriting Summary Partially Provided. The Loan Approval reflects Asset Utilitization with DTI, but the majority of income is from schedule C so it should be Full Doc. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/02/2026 | B A |
| XXX | XXXXX | 305037718 | XXXXX | 02/02/2026 | Credit | Missing Doc | Missing Income - Bank Statements | Part of the income used to qualify was asset utilization. The account ending in XXX only had XXX Statements, XXX dated XX/XX/XXXX, the dated XX/XX/XXXX. The Lender used a XXX month average on the other XXX accounts used so the file is missing the third bank Statement. | XXX. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income. XXX. Account stmt with XXX is a quarterly stmt so provided one quarter (Sept) and a year end stmt (Dec so XXX) to see the increase in the value but manually calculated the income from this asset as well so the total income is $XXX. XXX. Hazard insurance is a new policy so the one time fees charged by the insurance company did not get included in the premium of the policy as the actual premium is $XXX for qualification. | Resolved. File is Alt Doc because we used W XXX income along with asset utilization to supplement the income. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.55% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.55% is less than Guideline LTV of 80% | Resolved | 02/02/2026 | D A |
| XXX | XXXXX | 305037713 | XXXXX | 01/29/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | HPML compliant; Informational |  | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037713 | XXXXX | 01/29/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | HPML compliant; Informational |  | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037713 | XXXXX | 01/29/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | HPML compliant; Informational |  | Resolved | 01/29/2026 | A |
| XXX | XXXXX | 305037798 | XXXXX | 02/26/2026 | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Audited Reserves of XX/XX/XXXX month(s) are less than Guideline Required Reserves of XXX month(s) Insufficient assets for reserves required per guidelines of XXX months on all financed properties. Audit was unable to use any of the gift of equity funds towards the reserve requirements, as it is not allowed per lender guidelines. The only asset account that was in file was XXX #XXX with a balance of $XXX. | Document Uploaded. We are at XXX% on a NOO. Reserves are not required therefore no Additional reserves would be required for the other properties. We only require the reserves for additional properties if we need reserves to begin with based on the LTV. | Rescinded - Client States, "Hi, we are at XXX% on a NOO. Reserves are not required therefore no Additional reserves would be required for the other properties. We only require the reserves for additional properties if we need reserves to begin with based on the LTV." |  | Rescinded |  | C A |
| XXX | XXXXX | 305037798 | XXXXX | 02/26/2026 | Credit | Assets | Audited Reserves are less than Guideline Required Reserves (Dollar Amount) | Audited Reserves of XXX are less than Guideline Required Reserves of $XXX. Insufficient assets for reserves required per guidelines of XXX months on all financed properties. Audit was unable to use any of the gift of equity funds towards the reserve requirements, as it is not allowed per lender guidelines. The only asset account that was in file was XXX XXXX #XXX with a balance of $XXX. | Document Uploaded. Hi, we are at XXX% on a NOO. Reserves are not required therefore no Additional reserves would be required for the other properties. We only require the reserves for additional properties if we need reserves to begin with based on the LTV. | Rescinded - Client States, "Hi, we are at XXX% on a NOO. Reserves are not required therefore no Additional reserves would be required for the other properties. We only require the reserves for additional properties if we need reserves to begin with based on the LTV." |  | Rescinded |  | C A |
| XXX | XXXXX | 305037798 | XXXXX | 02/17/2026 | Credit | Eligibility | Purchase is not considered to be an Arm's Length Transaction | Purchase is not considered to be an Arm's Length Transaction Eligible non-arm's length transaction between borrower and daughter, letter of explanation in the file for reasons to purchase, a XXX month proof of payments of mortgage are in the file as well and a gift of equity letter in the file. Guidelines are met for this. | Please advise what is needed here. |  |  | Rescinded |  | C A |
| XXX | XXXXX | 305037798 | XXXXX | 02/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2026 | A |
| XXX | XXXXX | 305037798 | XXXXX | 02/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/13/2026 | A |
| XXX | XXXXX | 305037702 | XXXXX | 03/11/2026 | Credit | Missing Doc | Missing VOM or VOR | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Verification of Mortgage (VOM) Document is Missing. | Document Uploaded. | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing; Evidence provided. Payment History attached. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2026 | D A |
| XXX | XXXXX | 305037702 | XXXXX | 03/11/2026 | Compliance | TRID | Final CD: Calculating Cash to Close Adj. and Other Credits discrepancy | Missing CD to show assets to close of XXX to match the settlement Statement pg. XXX Borrower wire XXX to closing Agent. The final CD provided borrower to bring XXX to close | Document Uploaded. | ; Updated CD Provided. | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/11/2026 | C A |
| XXX | XXXXX | 305037702 | XXXXX | 02/25/2026 | Compliance | Right to Rescind | TILA Right of Rescission Test | This loan failed the TILA right of rescission test losed-end (12 CFR §1026.23(a)(3), transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3), transferred from 12 CFR §226.15(a)(3) he funding date is before the third business day following consummation he consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. Documentation required: The Disbursement date of XX/XX/XXXX is before the cancel date on the ROR listed as of XX/XX/XXXX. Proof of actual disbursement date is required to resolve or a cure package requires a PCCD, LOE, New ROR providing XXX days right to cancel. | Document Uploaded. | PCCD provided with updated disbursement date provided; exceltion resolved; PCCD provided with updated disbursement date provided; exceltion resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/25/2026 | C A |
| XXX | XXXXX | 305037702 | XXXXX | 02/25/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, copy of refund check and proof of delivery to the borrower or valid COC. The zero tolerance violation is due to the increase of Discount Points from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. | Document Uploaded. | Valid COC provided; exception resolved; Valid COC provided; exception resolved | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/25/2026 | C A |
| XXX | XXXXX | 305037702 | XXXXX | 02/23/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Original LTV is Below the Guideline Maximum - Calculated LTV of 59.07% is less than Guideline LTV of 75% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 59.07% is less than Guideline CLTV of 75% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/23/2026 | A |
| XXX | XXXXX | 305050390 | XXXXX | 03/05/2026 | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Lender DTI XXX% Audit DTI XXX%. The Lender used the XXX month bank Statement program to qualify the Borrower. Audit excluded XXX more in deposits for the month of XXX XXX The Lender income worksheet reflects deposits of XXX for the month of XXX XXX however, the bank Statement reflects XXX in deposits for the month of XXX XXX Additionally, the Lender worksheet calculation includes deposits for XXX months. | Document Uploaded. we have exception from management I am attaching along with a new 1003/XXX. | Client provided Loan Exception Decision - "Exception request for the borrower's debt-to-income ratio exceeding the maximum allowable guideline has been reviewed and approved. Per program guidelines, the maximum permitted DTI is XXX% The borrower's DTI is XXX% exceeding the guideline by XXX%. Based on the borrower's significant reserves, low leverage, and outstanding credit profile, the increased DTI is considered acceptable within the overall risk framework." | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.5% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.5% is less than Guideline CLTV of 80% | Acknowledged |  | No C B |
| XXX | XXXXX | 305050390 | XXXXX | 02/25/2026 | Property | Data | No Property Findings | No property findings. Property and valuations related findings were not identified on the loan. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.5% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.5% is less than Guideline CLTV of 80% | Resolved | 02/25/2026 | A |
| XXX | XXXXX | 305050390 | XXXXX | 02/25/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of 41.5% is less than Guideline LTV of 80% \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 41.5% is less than Guideline CLTV of 80% | Resolved | 02/25/2026 | A |
| XXX | XXXXX | 305050650 | XXXXX | 03/12/2026 | Compliance | TRID Tolerance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, and Copy of refund Check or Valid COC. The zero tolerance violation in the amount of XXX is due to increase of the Appraisal Fee from XXX to XXX on the CD dated XX/XX/XXXX without valid COC. This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). | Document Uploaded. | Cure package provided to the borrower; exception downgraded to a 2/B; Cure package provided to the borrower; exception downgraded to a 2/B | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Cured |  | C B |
| XXX | XXXXX | 305050650 | XXXXX | 03/05/2026 | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | The file does not contain an HOA Statement or a letter of no HOA for the properties located at XXX and XXX. | Document Uploaded. Both properties are SFR no hoa Statement available Property profiles attached to show sfr's | Property details provided. Resolved. | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/05/2026 | D A |
| XXX | XXXXX | 305050650 | XXXXX | 02/26/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 02/26/2026 | A |
| XXX | XXXXX | 305037601 | XXXXX | 03/03/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.54% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.54% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/03/2026 | A |
| XXX | XXXXX | 305037601 | XXXXX | 03/03/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.54% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.54% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/03/2026 | A |
| XXX | XXXXX | 305037601 | XXXXX | 03/03/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 68.54% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 68.54% is less than Guideline LTV of 80% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/03/2026 | A |
| XXX | XXXXX | 305050427 | XXXXX | 03/13/2026 | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is after the XXX of XX/XX/XXXX Please provide an updated hazard insurance policy with an effective date of XX/XX/XXXX. | updated, please clear | HO-6 Insurance Policy Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or HO-6 Insurance Policy Effective Date Is Not Provided; HOI provided dated XX/XX/XXXX | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/13/2026 | C A |
| XXX | XXXXX | 305050427 | XXXXX | 03/09/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/09/2026 | A |
| XXX | XXXXX | 305050427 | XXXXX | 03/09/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 03/09/2026 | A |
| XXX | XXXXX | 305066588 | XXXXX | 03/12/2026 | Compliance | Points & Fees | XXX AB 260 Higher-Priced Mortgage Loan Test | This loan failed the XXX AB 260 higher-priced mortgage loan test. (XXX AB 260, XXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX Financial Code hile the XXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2026 | A |
| XXX | XXXXX | 305066588 | XXXXX | 03/12/2026 | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Loan with established XXX and appraisal requirements have been met. HPML Downgraded |  | HPML compliant | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2026 | A |
| XXX | XXXXX | 305066588 | XXXXX | 03/12/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2026 | A |
| XXX | XXXXX | 305066588 | XXXXX | 03/12/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 03/12/2026 | A |
| XXX | XXXXX | 304757057 | XXXXX | 07/08/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/08/2025 | A |
| XXX | XXXXX | 304757057 | XXXXX | 07/08/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/08/2025 | A |
| XXX | XXXXX | 304757057 | XXXXX | 07/08/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 07/08/2025 | A |
| XXX | XXXXX | 304757060 | XXXXX | 07/09/2025 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 07/09/2025 | A |
| XXX | XXXXX | 304757060 | XXXXX | 07/09/2025 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 07/09/2025 | A |
| XXX | XXXXX | 304757060 | XXXXX | 07/09/2025 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of 70% is less than Guideline CLTV of 80% \| Original LTV is Below the Guideline Maximum - Calculated LTV of 70% is less than Guideline LTV of 80% | Resolved | 07/09/2025 | A |
| XXX | XXXXX | 305026146 | XXXXX | 01/14/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305026146 | XXXXX | 01/14/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/14/2026 | A |
| XXX | XXXXX | 305026146 | XXXXX | 01/07/2026 | Compliance | Missing Doc | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. Provide the e-consent dated on or prior to the earliest electronic signature XX/XX/XXXX. | Document Uploaded. This is a Pulte file - please see the Loan Application Printout in their files. Acceptance date is on page XXX Econsent is the final page(s). Please make a note of this for future files. | Evidence of eConsent is provided. | Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/07/2026 | B A |
| XXX | XXXXX | 304907298 | XXXXX | 01/13/2026 | Credit | Data | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. The borrowers provided bank Statements with assets of $XXX. The CD reflected deposits totaling XXX and XXX in closing funds. The loan file contained documentation to source XXX of the deposits. The loan file contained a copy of the wire dated XX/XX/XXXX for $XXX; however, this was dated after the bank Statements provided. The borrower is short assets of XXX which includes an open XXX account with a balance of XXX and XXX months of reserves totaling $XXX. | Document Uploaded. Lender's rebuttal: Please see attached email LOX as it appears per our uw manager this is invalid. | Located 2nd half of EM and it is verified Prior to close. ; Funds are found to meet guidelines.; Loe provided, re analysis of assets |  | Rescinded |  | A |
| XXX | XXXXX | 304907298 | XXXXX | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. Property and valuations related findings were not identified on the loan. |  | Informational Only; Investor acknowledges exception; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 304907298 | XXXXX | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only; Investor acknowledges exception; Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305013568 | XXXXX | 01/13/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305013568 | XXXXX | 01/13/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/13/2026 | A |
| XXX | XXXXX | 305013568 | XXXXX | 01/12/2026 | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Borrower 1 IRS Transcripts Missing Tax transcript for XXX was not available at the time of review. | Document Uploaded. XXX Tax Transcripts | Borrower 1 IRS Transcripts Provided; XXX transcripts provided | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. | Resolved | 01/12/2026 | D A |
| XXX | XXXXX | 304908679 | XXXXX | 01/22/2026 | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Required Affiliated Business Disclosure Missing Documentation required to clear exception: Please provide Affiliated Business Disclosure within XXX days of XXX XX/XX/XXXX or provide confirmation the lender has no affiliates. |  | Investor acknowledges exception. | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Acknowledged |  | No B |
| XXX | XXXXX | 304908679 | XXXXX | 01/22/2026 | Property | Data | No Property Findings | Property and valuations related findings were not identified on the loan. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/22/2026 | A |
| XXX | XXXXX | 304908679 | XXXXX | 01/22/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% | Resolved | 01/22/2026 | A |
| XXX | XXXXX | 305029621 | XXXXX | 02/06/2026 | Property | Appraisal | Property/Appraisal General | Property/Appraisal guideline violation: Vacant Refinances are ineligible per Lender guidelines, Appraisal pictures show majority of Units vacant and being renovated. Maximum XXX vacant units at time of origination, additional vacant units subject to exception approval Qualify using XXX% of market rent for vacant or down units. |  | Property under renovation, leases in place; Property/Appraisal Meets Guidelines; Property/Appraisal guideline violation: Vacant Refinances are ineligible per Lender guidelines, Appraisal pictures show majority of Units vacant and being renovated. Maximum XXX vacant units at time of origination, additional vacant units subject to exception approval Qualify using XXX% of market rent for vacant or down units. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2026 | C A |
| XXX | XXXXX | 305029621 | XXXXX | 02/06/2026 | Property | Third Party Valuation | Third Party Valuation Product Not Provided within 10% Tolerance | Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Commercial BPO orCDA with variance not to exceed XXXof appraised value. Lower value to be used if variance exceeds XXX% Otherwise, appraisal value to be used. | Document Uploaded. BPO attached. | Third party valuation product provided within tolerance.; Client provided XXX Drive-by Commercial Sales & Income. LM Updated.; Third Party Valuation Product Not Provided or Not Provided Within Tolerance. Commercial BPO orCDA with variance not to exceed XXXof appraised value. Lower value to be used if variance exceeds XXX% Otherwise, appraisal value to be used. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2026 | C A |
| XXX | XXXXX | 305029621 | XXXXX | 02/06/2026 | Credit | Missing Doc | Title Document Missing | Escrow instructions signed by Title Agent. Closing Protection letter. | Document Uploaded. Closing instruction; Document Uploaded. Attached. Noted that this is XXX so they do Closing Authorization Letters instead of CPLs. | Title Document is fully Present; Closing instructions signed by escrow officer; Title Document is fully Present; Client provided NY Closing Authorization Letter from XXX Title. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2026 | D A |
| XXX | XXXXX | 305029621 | XXXXX | 02/06/2026 | Credit | Missing Doc | Loan Agreement Missing | Missing loan agreement as required per guidelines or as referenced in the loan file. Executed copy required. | Document Uploaded. Attached | Loan Agreement Present; Client provided Loan and Security Agreement for XXX. LM Updated.; Missing loan agreement as required per guidelines or as referenced in the loan file. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/06/2026 | D A |
| XXX | XXXXX | 305029621 | XXXXX | 02/04/2026 | Credit | Missing Doc - Credit | Missing Business Entity Formation Document | Acceptable Articles of Incorporation are required. | Document Uploaded. Attached | Client provided Articles of Organization of XXX. Cleared. | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/04/2026 | D A |
| XXX | XXXXX | 305029621 | XXXXX | 02/02/2026 | Credit | Data | No Credit Findings | The loan meets all applicable credit guidelines. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2026 | A |
| XXX | XXXXX | 305029621 | XXXXX | 02/02/2026 | Compliance | Data | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  | Informational Only | Qualifying FICO is Greater than the Guideline Minimum - Qualifying FICO of XXX is greater than Guideline minimum FICO of XXX | Resolved | 02/02/2026 | A |

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## Exhibit 99.19

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.19**

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan ID** | **Initial DBRS Compliance Loan Grade** | **Final DBRS Compliance Loan Grade** | **Initial Moody's Compliance Loan Grade** | **Final Moody's Compliance Loan Grade** | **Initial Fitch Compliance Loan Grade** | **Final Fitch Compliance Loan Grade** | **Initial Kroll Compliance Loan Grade** | **Final Kroll Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Originator QM/ATR Status** | **TPR QM/ATR Status** |
| 304789501 | XXXXX D B A | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858396 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304846906 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898300 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898063 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304904527 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304899077 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304889844 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898977 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897053 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304892072 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304905117 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304327672 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304351713 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459204 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304459356 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304636586 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304497466 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304641307 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304493902 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304692679 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304684693 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304730274 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304481435 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685763 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304734129 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728743 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304756734 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304685820 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757465 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304814705 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304768199 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304745118 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304736162 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823358 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304813206 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304832996 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304748770 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304820208 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840199 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304822828 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823120 | XXXXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304840429 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847862 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823318 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843762 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304842902 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304832988 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304848110 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847829 | XXXXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304858952 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304871451 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847776 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860685 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304842883 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304867877 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304842886 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862129 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304870080 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855030 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843768 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855028 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865126 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875158 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868244 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304842882 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304855029 | XXXXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844575 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304847525 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304893824 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304862119 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304875160 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304869246 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865204 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860674 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304860676 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865053 | XXXXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304865196 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304868289 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873553 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304874824 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844572 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304897021 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304873914 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304876023 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898891 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304749880 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053649 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053650 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053648 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053647 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053646 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053640 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053641 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053644 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053642 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053643 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053638 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053629 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053636 | XXXXX D B | N/A | N/A C B D | N/A | N/A C B D | N/A | N/A C B D | N/A | N/A C B D | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053635 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053623 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305053633 | XXXXX C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866755 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304902530 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304908741 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304908740 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 305050689 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047759 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305065258 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305065254 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305065253 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305047755 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305065260 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | ATR/QM: Exempt | ATR/QM: Exempt |
| 304511305 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823807 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823793 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304812660 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304823710 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304844248 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304843962 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304859690 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304325913 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304325926 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495341 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495519 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304816713 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866893 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304827838 | XXXXX A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811692 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811655 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811745 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304811693 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779790 | XXXXX C A | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779718 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779704 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779654 | XXXXX D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A D B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779748 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779671 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898625 | XXXXX C B A | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | N/A | N/A C B | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779662 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779678 | XXXXX D A | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A D | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304779719 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824836 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824771 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304824803 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728987 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728981 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304728925 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898534 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304898533 | XXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304821274 | XXXXX B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A B | N/A | N/A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304325970 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304375629 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304495397 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304841668 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304841676 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304866925 | XXXXX C B | B | A C B | B | A C B | B | A C B | B | A C B | B | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304897267 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304873746 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035788 | XXXXX C B | C | B A C | C | B A C | C | B A C | C | B A C | C | B A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305011906 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304905169 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304894301 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304897056 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035764 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035770 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305012710 | XXXXX D B A | D | B A D | D | B A D | D | B A D | D | B A D | D | B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305035711 | XXXXX D A | A | A C D | A | A C D | A | A C D | A | A C D | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035709 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 304908668 | XXXXX D B A | C | B A D | C | B A D | C | B A D | C | B A D | C | B A | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) |
| 305035822 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035719 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035826 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035710 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035704 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035664 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035662 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035808 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035772 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035761 | XXXXX D A | D | A C D | D | A C D | D | A C D | D | A C D | D | A C | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035654 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035614 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035726 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035646 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035643 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035638 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035635 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035627 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035616 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035604 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035602 | XXXXX B A | A | A B | A | A B | A | A B | A | A B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035831 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035800 | XXXXX D B | A | A D B | A | A D B | A | A D B | A | A D B | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035729 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035644 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305035765 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305035699 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: CDFI Lender Exempt | ATR/QM: CDFI Lender Exempt |
| 305037807 | XXXXX D A C | D | A D C | D | A D C | D | A D C | D | A D C | D | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037765 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037590 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037660 | XXXXX C A | C | A C | C | A C | C | A C | C | A C | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037718 | XXXXX D A | C | A C D | C | A C D | C | A C D | C | A C D | C | A C | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037713 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037798 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305037702 | XXXXX D A | C | A D | C | A D | C | A D | C | A D | C | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050390 | XXXXX C B | A | A C B | A | A C B | A | A C B | A | A C B | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050650 | XXXXX D B A | C | B A D | C | B A D | C | B A D | C | B A D | C | B A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305037601 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305050427 | XXXXX C A | A | A C | A | A C | A | A C | A | A C | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 305066588 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors |
| 304757057 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 304757060 | XXXXX A | A | A | A | A | A | A | A | A | A | A | ATR/QM: Exempt | ATR/QM: Exempt |
| 305026146 | XXXXX B A | B | A B | B | A B | B | A B | B | A B | B | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304907298 | XXXXX A | A | A | A | A | A | A | A | A | A | A | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor APOR (APOR SH) |
| 305013568 | XXXXX D A | A | A D | A | A D | A | A D | A | A D | A | A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 304908679 | XXXXX B A | B | B A | B | B A | B | B A | B | B A | B | B A | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) |
| 305029621 | XXXXX D A | A | A C D | A | A C D | A | A C D | A | A C D | A | A C | ATR/QM: Exempt | ATR/QM: Exempt |

---

## Exhibit 99.20

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 304789501 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 61.42% | 61.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304858396 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304846906 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304898300 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898063 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.63% | 79.63% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304904527 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 58.86% | 58.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304899077 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304889844 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 77.05% | 77.05% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898977 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304897053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304892072 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304905117 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 44.40% | 44.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304327672 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304351713 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.40% | 73.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304459204 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.21% | 65.21% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304459356 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.25% | 90% | 10% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304636586 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 57.95% | 57.95% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304497466 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.88% | 67.88% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304641307 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304493902 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304692679 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 1 |  |
| 304684693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Not Eligible | N/A |  |
| 304730274 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.43% | 53.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | URAR Form 1004 Form 70 |  |  | Eligible | 2 |  |
| 304481435 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304685763 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.80% | 73.80% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304734129 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304728743 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304756734 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304685820 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304757465 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.77% | 69.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.9 |  |
| 304814705 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 50.00% | 50.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304768199 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304745118 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304736162 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304823358 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304813206 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.52% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304832996 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 66.67% | 66.67% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.10% | 91% | 9% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304748770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304820208 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304840199 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304822828 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | N/A |  |
| 304823120 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.33% | 53.33% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304840429 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304847862 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304823318 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304843762 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 26.38% | 26.38% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304842902 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304832988 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 47.87% | 47.87% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304848110 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304847829 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 6.81% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304858952 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -2.21% | 94% | 6% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304871451 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 76.04% | 76.04% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304847776 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Eligible | 1 |  |
| 304860685 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304842883 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.42% | 79.42% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 304867877 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.54% | 59.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304842886 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.13% | 78.13% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304862129 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX | 1004D |  |  | Not Eligible | 3.3 |  |
| 304870080 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 304855030 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304843768 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304855028 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.91% | 79.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865126 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.77% | 74.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304875158 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304868244 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.92% | 69.92% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304842882 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 64.36% | 64.36% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304855029 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 77.84% | 77.84% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304844575 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 67.01% | 67.01% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.5 |  |
| 304847525 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 60.78% | 60.78% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304893824 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304862119 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304875160 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 25.57% | 25.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304869246 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 53.09% | 53.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865204 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.08% | 69.08% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304860674 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.10% | 70.10% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304860676 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304865053 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.2 |  |
| 304865196 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.55% | 69.55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 304868289 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304873553 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304874824 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.18% | 74.18% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304844572 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 304897021 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304873914 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304876023 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898891 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 62.86% | 62.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304749880 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1073 | XXX | 57.27% | 57.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053649 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053650 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053648 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053647 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053646 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053640 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053641 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053644 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053642 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.00% | 65.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.09% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053638 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053629 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053636 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 53.85% | 53.85% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 6.15% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053635 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 74.86% | 74.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053623 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 27.27% | 27.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 305053633 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.43% | 78.43% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304866755 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 24.05% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304902530 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 79.77% | 79.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304908741 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 16.50% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 304908740 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.86% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305050689 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.09% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 305047759 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 60.00% | 60.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 8.62% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305065258 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -6.31% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305065254 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 11.59% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible |  |  |
| 305065253 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 1.56% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305047755 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 37.83% | 37.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 305065260 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 71A | XXX | 36.83% | 36.83% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 40.97% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304511305 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -6.78% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 5 |  |
| 304823807 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 40.98% | 40.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.7 |  |
| 304823793 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304812660 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Eligible | 1.5 |  |
| 304823710 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.8 |  |
| 304844248 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.54% | 73.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX | 1004D |  |  | Not Eligible | 3.6 |  |
| 304843962 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 78.75% | 78.75% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 304859690 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.1 |  |
| 304325913 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304325926 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304495341 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | XXX | 55.00% | 55.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304495519 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | XXX | 69.46% | 69.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.3 |  |
| 304816713 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| 304866893 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 304827838 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | CDA |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  | Not Eligible |  |  |
| 304811692 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304811655 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 59.08% | 59.08% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 304811745 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 73.98% | 73.98% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304811693 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 68.16% | 68.16% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779790 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779718 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 69.91% | 69.91% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779704 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779654 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 49.76% | 49.76% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779748 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779671 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898625 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779662 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 65.15% | 65.15% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779678 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304779719 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 74.67% | 74.67% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824836 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -0.34% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824771 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304824803 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728987 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728981 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304728925 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -5.69% | 98% | 2% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898534 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 75.00% | 75.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304898533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | URAR Form 1004 Form 70 | XXX | 79.96% | 79.96% |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 2.22% | 97% | 3% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304821274 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | Form 1025 | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -7.50% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | N/A |  |
| 304325970 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.32% | 78.32% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 |  |
| 304375629 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  | XXX | XXX | -10.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -10.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 304495397 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 65.00% | 65.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304841668 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXX | 60.00% | 60.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 304841676 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 69.77% | 69.77% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 304866925 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | -1.43% | AVM |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -1.43% | 97% | 3% | XXX | i-Val | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |
| 304897267 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 63.21% | 63.21% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 304873746 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035788 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | 0.00% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 305011906 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 64.00% | 64.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4.3 |  |
| 304905169 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.26% | 78.26% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 304894301 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.99% | 79.99% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304897056 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 74.77% | 74.77% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035764 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 0.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035770 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 78.21% | 78.21% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 305012710 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.00% | 80.00% | XXX | XXX | -1.43% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -1.43% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035711 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 305035709 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  | $XXX | $XXX | 0.52% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 0.52% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.9 |  |
| 304908668 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.41% | 79.41% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 305035822 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 57.72% | 57.72% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035719 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 305035826 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 55.95% | 55.95% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035710 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.1 |  |
| 305035704 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 65.23% | 65.23% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 305035664 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035662 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035808 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.2 |  |
| 305035772 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 34.13% | 34.13% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035761 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 71.43% | 71.43% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 305035654 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 61.85% | 61.85% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035614 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035726 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.3 |  |
| 305035646 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 80.00% | 80.00% | XXX | XXX | -2.10% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -2.10% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035643 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.97% | 79.97% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035638 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.16% | 68.16% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035635 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.4 |  |
| 305035627 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305035616 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 75.00% | 75.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.5 |  |
| 305035604 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 79.11% | 79.11% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035602 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305035831 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035800 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305035729 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 305035644 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 305035765 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 305035699 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 305037807 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 47.17% | 47.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305037765 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 305037590 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 305037660 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 36.71% | 36.71% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037718 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 41.55% | 41.55% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.4 |  |
| 305037713 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305037798 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.00% | 70.00% | XXX | XXX | -5.77% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | -5.77% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 305037702 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 59.07% | 59.07% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 305050390 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 41.50% | 41.50% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3 |  |
| 305050650 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.5 |  |
| 305037601 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 68.54% | 68.54% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.1 |  |
| 305050427 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 90.00% | 90.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305066588 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 90.00% | 90.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 304757057 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  | $XXX | $XXX | 1.89% | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX | $XXX | 1.88% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.9 |  |
| 304757060 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | XXX | 70.00% | 70.00% | XXX | XXX | 0.00% | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 305026146 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 304907298 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 305013568 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 80.00% | 80.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 304908679 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | XXX | 70.71% | 70.71% | XXX | XXX | 0.00% | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX | 0.00% | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3 |  |
| 305029621 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | Appraisal Narrative | XXX | 65.83% | 65.83% | XXX | XXX | 5.00% | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | 5.00% | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.21

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.21**

![](ex9921001.jpg)

Executive Summary

JPMMT 2026-NQM3

&nbsp;&nbsp;&nbsp;&nbsp;(1) Type
 of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The mortgage loans were originated by two loan sellers (the "Sellers") and acquired directly (or indirectly) by JPMorgan Chase Bank, National Association through a Reliance Letter. The loan reviews were conducted in May 2024 and November 2024.

&nbsp;&nbsp;&nbsp;&nbsp;(2) Number
 of Assets.

There are 2 assets in the loan population.

&nbsp;&nbsp;&nbsp;&nbsp;(3) Review
 Process.

The post-closing loan review was 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;DBRS, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Third-Party Due- Diligence Criteria and Representations & Warranties for U.S. RMBS Transactions dated September 30, 2024 |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● U.S. RMBS Rating Criteria dated October 1, 2025 |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US RMBS Rating Methodology, dated December 7, 2023 |
| &nbsp;&nbsp;Moody's Investors Service, Inc. | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● US Residential Mortgage-backed Securitizations, dated August 20, 2025 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans, Jan. 25, 2019 <br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;● Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025  |

---

The post-closing review 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.

Page 1 of 10

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

&nbsp;&nbsp;&nbsp;&nbsp;(4) Sample
 size of the assets reviewed.

The due diligence review was conducted on 100% of the mortgage loan population and consisted of 2 mortgage loans with an aggregate original principal balance of approximately $755,000. The mortgage loans originated in April 2024 and November 2024..

&nbsp;&nbsp;&nbsp;&nbsp;(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, 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).

Page 2 of 10

**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.

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to 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 Uniform Collateral Data Portal Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from an approved AMC. All ARR or CDA documentation provided by an approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any mortgage 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 mortgage loans that did not maintain an acceptable enhanced desk review product, CRES ordered an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management Companies ("AMC") for valuation support. All mortgage 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.

Page 3 of 10

**Compliance Review Methodology**

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

In addition to the TRID specific items, the mortgage loans were also subject to the following Pre-TRID and Post- TRID compliance testing, if applicable. Note that certain mortgage loans may be classified as "business purpose". In such cases certain compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

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

Qualified Mortgage (12 CFR § 1026.43)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

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

Page 4 of 10

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

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

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

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

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

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

Initial Closing Disclosure Timing Requirements

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

Initial Closing Disclosure Timing & Changed Circumstances Requirements

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

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

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

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

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

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

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

Revised Closing Disclosure Timing & Changed Circumstances Requirements

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Page 5 of 10

 

*<u>Qualified Mortgage</u>*

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

&nbsp;&nbsp;&nbsp;&nbsp;(i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Mortgage loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/GSE Temporary (safe harbor) – Mortgage loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition (iii) QM/High Priced Mortgage Loan (rebuttable presumption): Mortgage loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iv) QM/GSE Temporary (rebuttable presumption) - Mortgage loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (v) Non-QM Compliant: Mortgage loans that do not meet the QM definition but fully comply with the ATR rule, (vi) Non- QM/Non-Compliant: Mortgage loans that do not meet the QM definition and do not comply with the ATR rule, and (vii) Not Covered/Exempt: Mortgage loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Mortgage loans in the population were reviewed to the new General QM requirements.

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

---

| | | |
|:---|:---|:---|
| | **Count** | &nbsp;&nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | 0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | 0 | &nbsp;&nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | 2 | &nbsp;&nbsp;&nbsp;100.00% |

---

**Document Review** 

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

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

Page 6 of 10

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

● 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.

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

---

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

Of the 2 mortgage loans reviewed, one unique mortgage loan had two tape discrepancies across the 20 data fields. 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 sellers failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| **Field Compare** | **Discrepancy: No** | **Discrepancy: Yes** | **Total** |
| Appraised Value | 1 | 1 | 2 |
| CLTV | 2 | 0 | 2 |
| Doc Level | 2 | 0 | 2 |
| DTI | 1 | 1 | 2 |
| FICO | 2 | 0 | 2 |
| First Payment Date | 2 | 0 | 2 |
| Interest Rate | 2 | 0 | 2 |
| Lien Position | 2 | 0 | 2 |
| Loan Term | 2 | 0 | 2 |
| LTV | 2 | 0 | 2 |
| Note Date\* | 2 | 0 | 2 |
| Note Type | 2 | 0 | 2 |
| Occupancy | 2 | 0 | 2 |
| Original Balance | 2 | 0 | 2 |
| P&I Payment | 2 | 0 | 2 |
| Property City | 2 | 0 | 2 |
| Property State | 2 | 0 | 2 |
| Property Zip | 2 | 0 | 2 |
| Purpose | 2 | 0 | 2 |
| QM Type\* | 2 | 0 | 2 |
| \* Tape data was not available. | \* Tape data was not available. | \* Tape data was not available. |  |

---

Page 7 of 10

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

&nbsp;&nbsp;&nbsp;&nbsp;(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

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

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**Loan Count** | **Percentage** |
| A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2 | 100.00% |
| B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**2** | **100.00%** |

---

**Compliance Results Summary**

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

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

**Property Valuation Results Summary**

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

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all mortgage loans by number received an "A" overall grade.

---

| | | |
|:---|:---|:---|
| **NRSRO Grade** | **Loan Count** | **Percentage** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

Page 8 of 10

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

&nbsp;&nbsp;&nbsp;&nbsp;(8) Pool
 Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Commercial** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

Page 9 of 10

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp; **LA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp; **NY** | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp; **2** | &nbsp;&nbsp;**100.00%** |

---

Page 10 of 10

## Exhibit 99.22

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.22**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXX | 304477296 | 44.16 | 28.42 | DTI | -15.74 | Yes |
| XXXXXXXX | 304477296 | XXXXXXXX | XXXXXXXX | Appraised Value | XXXXXXXX | Yes |

---

## Exhibit 99.23

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.23**

---

| | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller Loan ID** | **Alt Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Condition Category** | **Condition Sub 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** |
| XXXXXXXX | 304477296 | XXXXXXXX | XXXXXXXX | Non-QM: Compliant with ATR | Non-QM: Compliant with ATR | Credit | Initial 1003 | Cleared Exception A | 2636 | The initial 1003 is not signed by the borrowers. | No | 12/4/2024: Document provided to cure. | 1003.pdf (Loan Application) was uploaded | Cleared Exception |  |  |  |
| XXXXXXXX | 304313929 | XXXXXXXX | XXXXXXXX | Non-QM: Compliant with ATR | Non-QM: Compliant with ATR | Credit | Warranty Deed / Quit Claim Deed | Cleared Exception A | 2837 | The Warranty/ Grant Deed is not included in the loan file. | No | 05/17/24: Documentation provided to cure. | The Cash Sale is the Warranty Deed per Title co.<br> warranty deed.pdf (Unclassified) was uploaded | Cleared Exception |  |  |  |
| XXXXXXXX | 304313929 | XXXXXXXX | XXXXXXXX | Non-QM: Compliant with ATR | Non-QM: Compliant with ATR | Compliance | Other | Cleared Exception A | 2807 | This loan failed the charges that cannot increase test. The initial LE reflects the Discount Points fee as $XXXX, however the final CD reflects the Discount Points fee as $XXXX for an increase of $ XXXX A change of circumstance for the increased fees was not included in the loan file. | No | 5/19/2024: Document provided to cure. | XXXX_XXXX COC.pdf (Unclassified) was uploaded | Cleared Exception |  |  |  |

---

## Exhibit 99.24

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.24**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 4/16/2026** | **Rating Agency Grades: 4/16/2026** | **Rating Agency Grades: 4/16/2026** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXX | 304313929 | XXXXXXX C A |
| XXXXXXX | 304477296 | XXXXXXX C A |

---

## Exhibit 99.25

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.25**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **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** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt 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** | **Company** | **CU Date** |
| XXXXXXXXX | 304313929 | XX/XX/XXXX | XXXXXXXXX | 53.45% | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  | 1 | XXXXXXXXX | XX/XX/XXXX |
| XXXXXXXXX | 304477296 | XX/XX/XXXX | XXXXXXXXX | 80.00% | XXXXXXXXX | XXXXXXXXX | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXX | 0.00 | 0.00% | XXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |

---

## Exhibit 99.26

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.26**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from October 2025 to March 2026 and were collateralized by residential real estate and multi-family properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by JPMorgan Chase Bank, National Association (the "Client") from lenders and/or aggregators (in such capacity, the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 13 Loans selected by the Client to include in JPMMT 2026-NQM3 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the Loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 13 Loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |

---

Inglet Blair, LLC Deal Summary JPMMT 2026-NQM3 <br> pg. 1

---

| | |
|:---|:---|
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

Inglet Blair, LLC Deal Summary JPMMT 2026-NQM3 <br> pg. 2

- OFAC Alert(s)

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) or (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does the appraisal indicate the appraiser's license or certification, number and expiration date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the appraisal include a statement of assumptions
and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does the appraisal summarize the process used to collect, confirm, and report data?

Inglet Blair, LLC Deal Summary JPMMT 2026-NQM3 <br> pg. 3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does the appraisal state the subject's highest and best use?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which of the industry recognized methods of valuation were included that may have been utilized to support the institution's
decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If any of these approaches have been omitted or excluded, is there sufficient explanation provided as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review the "TRID Review". The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending. For ten (10) business purpose loans, no TRID compliance testing was completed.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Consumer Handbook on Adjustable Rate Mortgages
(1026.19(b)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt by the borrower
or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Your Home Loan Toolkit (1026.19(g)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm acknowledgement of receipt by the borrower
or documentary evidence disclosure was delivered to the borrower(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within 3 business days of application

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Federal High-cost (1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Identify points and fees and/or APR threshold
test failures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Prepayment Penalty restrictions

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Higher-priced Mortgage Loans (1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR Threshold with the corresponding appraisal
and escrow requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Right of Rescission (1026.23)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Review accuracy, timing and content of disclosure(s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm all requisite consumers received notice
and correct form

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Qualified Mortgage Rule (1026.43(e))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Perform points and fees test to confirm 3% threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and DTI below 43% or
Temp QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 1/10/2014 to 2/28/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and DTI below 43% and/or
Temp QM and/or APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 3/1/2021 to 6/30/2021

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adherence to Appendix Q and DTI below 43% and/or
APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates of 7/1/2021 to 9/30/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· APR/APOR threshold testing

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Application Dates on or after 10/1/2022\*

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Subject to any guidance updates from regulators

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan does not contain "risky feature"
(IO, Negative Amortization, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contain a valid and approved AUS, as applicable

Inglet Blair, LLC Deal Summary JPMMT 2026-NQM3 <br> pg. 4

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ability-to-Repay ("ATR") (1026.43(c)(2)
– IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty,
implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB objectively confirmed
the following eight (8)-factors had been considered and, where applicable, documented:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (i) The consumer 's
current or reasonably expected income or assets, other than the value of the dwelling ,
including any real property attached to the dwelling ,
that secures the loan;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (ii) If the creditor relies on income from
the consumer 's
employment in determining repayment
ability , the consumer 's
current employment status;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (iii) The consumer 's
monthly payment on the covered transaction, calculated in accordance with paragraph
(c)(5) of this 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;&nbsp;&nbsp;&nbsp;&nbsp;· (iv) The consumer 's
monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph
(c)(6) of this 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;&nbsp;&nbsp;&nbsp;&nbsp;· (v) The consumer 's
monthly payment for mortgage-related obligations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vi) The consumer 's
current debt obligations,
alimony, and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (vii) The consumer 's
monthly debt -to-income
ratio or residual income in accordance with paragraph
(c)(7) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· (viii) The consumer 's
credit history.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o TRID (1026.36, 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Loan Estimate ("LE")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Initial LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate
within seven (7) business days of receipt

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Provided within three (3) business days of a valid Change of Circumstance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Complete in all material respects

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Contains NMLS ID

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm the "In 5 Years" calculation is not over disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Final Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"),
and Total Interest Payments ("TIP")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Projected Payments - Re-calculation of Principal and Interest payment(s),
verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the correct number
of columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Adjustable Interest Rate and Adjustable Payment Tables are present, complete
and accurate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· No fee charged for preparation of LE or CD

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Fee descriptions conform with clear and conspicuous standard

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan terms match that of the subject loan – balance, rate, term, prepayment
penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Disclosures section is complete – Late Payment matches the note
and the escrow section is consistent within the disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing,
including the presence, timing and a validation of a change of circumstance and corresponding fee changes

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Evidence Service Provider List and Your Home Loan Toolkit, if applicable,
were provided or present in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o LE and CD form(s) provided to the borrower are consistent across the loan
process

Inglet Blair, LLC Deal Summary JPMMT 2026-NQM3 <br> pg. 5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o NMLS ID is present on the loan application, note, security instrument, LE
and CD, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Items not tested, include but are not limited to:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Categorization of fees in the appropriate section

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Accuracy of information for fields not expressly stated above

&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 on the Seller's
columns

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o State High-cost and Predatory lending regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o RESPA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Confirm GFE and HUD-1

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Special Information Booklet

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Servicing Transfer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Arrangement Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Homeownership Counseling Disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Equal Credit Opportunity Act

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Presence, acknowledgement and timing of the Right
to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID"). While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;No | &nbsp;&nbsp;10 | &nbsp;&nbsp;76.92% |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;3 | &nbsp;&nbsp;23.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary JPMMT 2026-NQM3 <br> pg. 6

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;6 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;53.85% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;7 | &nbsp;&nbsp;53.85% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;46.15% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;12 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Fixed Rate | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary JPMMT 2026-NQM3 <br> pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp; Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans<br> other than loans secured by real<br> estate. | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;9 | &nbsp;&nbsp;69.23% |
| &nbsp;&nbsp; Rate/Term Refinance -- Borrower<br> initiated | &nbsp;&nbsp;3 | &nbsp;&nbsp;23.08% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;5 | &nbsp;&nbsp;38.46% |
| &nbsp;&nbsp;dPUD (PUD with "de minimus" monthly<br> HOA dues | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;PUD (Only for use with Single-Family<br> Detached Homes with PUD riders) | &nbsp;&nbsp;2 | &nbsp;&nbsp;15.38% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;4 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;5-10 Unit Multi-Family | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;23.08% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;69.23% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;23.08% |

---

Inglet Blair, LLC Deal Summary JPMMT 2026-NQM3 <br> pg. 8

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**9** | &nbsp;&nbsp;69.23% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary JPMMT 2026-NQM3 <br> pg. 9

## Exhibit 99.27

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.27**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| Seller Loan ID | JPM Loan ID | Data Field | Tape Data | IB Review Value | Discrepancy Comments |
| (redacted) | 304847670 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), variance is non-material (Minimum Required (redacted)). |
| (redacted) | 304904499 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), non-material variance is due to rounding. Source of Tape Value is unknown. |
| (redacted) | 304904500 | Appraised Value | (redacted) | (redacted) | Tape Value is the sales price. Review Value is the appraisal value. |
| (redacted) | 304904500 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), variance is non-material (Minimum Required (redacted)). |
| (redacted) | 304904498 | Appraised Value | (redacted) | (redacted) | Review Value is the appraisal value. Tape Value is the sales price. |
| (redacted) | 304904498 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), non-material variance is due to rounding. Source of Tape Value is unknown. |
| (redacted) | 304904501 | Appraised Value | (redacted) | (redacted) | Tape is sales price. Review is appraised value verified per appraisal. |
| (redacted) | 304904501 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Tape source unknown. Approved DSCR (redacted), non-material variance is due to rounding. |
| (redacted) | 305035832 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Variance is non-material. |
| (redacted) | 305039473 | Total Debt to Income Ratio | (redacted) | (redacted) | Approved DTI (redacted), variance < (redacted) is non-material. Source of Tape Value is unknown. |
| (redacted) | 305039473 | U/W Doc Type | (redacted) | (redacted) | (redacted) months of personal bank statements in file document (redacted) income. Source of Tape Value is unknown. |
| (redacted) | 305047456 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Variance is non-material (Min Required (redacted)). Difference is due to (redacted) allowance for management expenses, as per appraiser. Per guidelines, Reduce qualifying rents by any management fee reflected on appraisal report. |
| (redacted) | 305046174 | Property Type | Condo | PUD - Attached | Review Value captured per the appraisal. |
| (redacted) | 305046174 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Approved DSCR (redacted), no variance. Source of Tape Value is unknown. |
| (redacted) | 305050819 | Investor DTI (DSCR Ratio) | (redacted) | (redacted) | Non-material variance is due to rounding. |
| (redacted) | 305053771 | Total Debt to Income Ratio | (redacted) | (redacted) | Approved DTI (redacted), variance < (redacted) is non-material. Source of Tape Value is unknown. |

---

## Exhibit 99.28

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.28**

---

| | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| Seller Name | JPM Loan ID | Exception ID | Exception ID Date | Condition Category | Condition Standardized Description | Condition ID | Initial Exception Grade | Final Exception Grade | Status | Condition Custom Description | Cleared Date | Compensating Factors | Lender Response | Comments | Loan Status |
| (redacted) | 304873832 (redacted) | 1146317 | 10/22/2025 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 1 | Closed | Missing final Business Purpose Application as required per guidelines. The copy in the file dated (redacted) is not executed. | 11/07/2025 | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted); |  | 11/07/2025 Agree, business purpose portion of the application is not applicable as the loan did not close in the name of a business. Loan and Guarantor portions of the applications have been received. - 11/07/2025 Agree, business purpose portion of the application is not applicable as the loan did not close in the name of a business. Loan and Guarantor portions of the applications have been received.<br>11/03/2025 Received Loan and Guarantor portions of the application. The application consists of three parts: Loan, Business Purpose, and Guarantor. Missing is the Business Purpose portion. | Funded C A |
| (redacted) | 304873832 (redacted) | 1146326 | 10/22/2025 | Credit | Purchase Contract is Deficient | CRED 0085 | 2 | 2 | Acknowledged | The parties who signed the purchase contract were not the owners/executors of the property. The purchase contract was signed by (redacted). The HUD reflects the sellers as (redacted), which matches title and (redacted) is the executor per the Executorship. |  | Verified reserves - (redacted) months reserves or (redacted) required, (redacted) months reserves or (redacted) verified.; Verified credit history - FICO (redacted), minimum required (redacted); |  | Mitigated Risk: 11/03/2025 EV2/B - Non-material, HUD was signed by the documented executor.<br>Non-material - HUD was signed by the documented executor. | Funded C B |
| (redacted) | 304847670 (redacted) | 1146728 | 10/24/2025 | Compliance | Missing Final HUD-1 | HUD 0001 | 4 | 1 | Closed | Missing the final settlement statement. | 10/27/2025 | Verified reserves - (redacted) months of verified reserves when guidelines required (redacted) months.; |  | 10/27/2025 Finding is cleared with the attached final settlement statement. - 10/27/2025 Finding is cleared with the attached final settlement statement. | Funded D A |
| (redacted) | 304904499 (redacted) | 1153783 | 12/10/2025 | Compliance | Missing Notary on Mortgage/DOT | DEED 0022 | 3 | 1 | Closed | Mortgage is missing the attached notary certification. | 12/18/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; |  | 12/18/2025 Finding is partially cleared with the attached copy of the Mortgage with the notary certification for all guarantors. - 12/18/2025 Finding is partially cleared with the attached copy of the Mortgage with the notary certification for all guarantors.<br> 12/12/2025 Finding is partially cleared with the attached copy of the Mortgage with the notary certification for (redacted). Still missing the notary certification for guarantor (redacted).<br> 12/11/2025 Attached copy of the Mortgage only includes a notary certification for guarantor (redacted). Missing notary certification for all guarantors. | Funded C A |
| (redacted) | 304904499 (redacted) | 1153797 | 12/10/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 3 | 1 | Closed | Loan file is missing the initial (redacted), (redacted). | 01/15/2026 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; |  | 01/15/2026 Finding is cleared with the attached copy of the initial application signed by (redacted) post-consummation. - 01/15/2026 Finding is cleared with the attached copy of the initial application signed by (redacted) post-consummation. | Funded C A |
| (redacted) | 304904499 (redacted) | 1153799 | 12/10/2025 | Property | Appraisal is Incomplete | APPR 0002 | 3 | 1 | Closed | Contract Section of the Appraisal Report is not fully completed by the (redacted). (redacted) does not indicate if the purchase agreement was analyzed. Borrowers are purchasing (redacted) properties from the seller under a single contract. | 12/18/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; |  | 12/18/2025 Finding is cleared with the attached updated appraisal. (redacted) confirms arms length transaction. - 12/18/2025 Finding is cleared with the attached updated appraisal. Appraisers confirms arms length transaction. | Funded C A |
| (redacted) | 304904499 (redacted) | 1153821 | 12/10/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 2 | Acknowledged | Missing VOM. Per guidelines, (redacted) on all owned real estate.<br>Missing VOM for (redacted).<br>Missing CD for concurrent purchase, (redacted)<br>Missing CD for concurrent purchase, (redacted)<br>Missing CD for concurrent purchase, (redacted) |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; | 12/15/2025 - Still missing: <br>Missing Final CD/Settlement Statement for concurrent purchase, (redacted) <br>Missing Final CD/Settlement Statement for concurrent purchase, (redacted)<br>Missing Final CD/Settlement Statement for concurrent purchase, (redacted)<br>\*NOTE: Mortgage statement in file for (redacted) satisfactorily documents mortgage payment history from (redacted). Property verified as acquired (redacted) via property report in file, thus no additional documentation required for this property. | 01/05/2026 EV2/B - Received post-consummation dated CD, (redacted). Note: All other parts of the original finding were previously satisfied.<br> 12/18/2025 Recd settlement statement for (redacted) and seller CD for (redacted). Wet signed CD can be accepted for non-subject REO, non-final based on the disbursement date being prior to date the loan documents were executed. Missing estimated CD/Settlement Statement for concurrent purchase, (redacted) indicated to not have closed. NOTE: Mortgage statement in file, (redacted), documents a satisfactory mortgage rating since acquisition (redacted) to (redacted), thus no additional documentation for this property is required.<br> 12/12/2025 Recd settlement statement for (redacted) and seller CD for (redacted). -- Finding remains. Settlement statement for (redacted) does not appear to be final. The disbursement date of (redacted) is prior to the transaction date of (redacted). Guarantor (redacted) did not sign the loan documents until (redacted). <br> 1) Missing VOM for (redacted).<br> 2) Missing Final CD for concurrent purchase, (redacted)<br> 3) Missing Final CD for concurrent purchase, (redacted)<br> 4) Missing Final CD for concurrent purchase, (redacted)<br> All final settlement statements should be signed by all (redacted) guarantors as required per guidelines. <br> 12/11/2025 Recd settlement statement for (redacted) and seller CD for (redacted). -- Finding remains. Settlement statement for (redacted) does not appear to be final. The disbursement date of (redacted) is prior to the transaction date of (redacted). Still missing:<br> 1) Missing VOM for (redacted).<br> 2) Missing CD for concurrent purchase, (redacted)<br> 3) Missing CD for concurrent purchase, (redacted)<br> 4) Missing CD for concurrent purchase, (redacted) | Funded C B |
| (redacted) | 304904499 (redacted) | 1153828 | 12/10/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 3 | 2 | Acknowledged | Missing credit inquiry letter. |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; |  | 12/17/2025 Finding re-reviewed and cleared. DSCR loan, thus any new liabilities would not have a material impact on the loan. - 12/17/2025 EV2/B - DSCR loan, thus any new liabilities would not have a material impact on the loan. | Funded C B |
| (redacted) | 304904499 (redacted) | 1153834 | 12/10/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 2 | Acknowledged | Missing Articles of Incorporation and Corporate Resolution,(redacted). -- Per guidelines, (redacted) as Mortgagor: Copy of filed articles of organization to evidence the existence of the (redacted). Corporate Resolution from the board to authorize the taking out of debt in the (redacted) name |  | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; |  | 12/17/2025 EV2/B - Investor accepts the certificate of status to evidence existence of the (redacted) in lieu of the Articles of Incorporation, and use of executed Note to document all owners authorization to take out new debt in lieu of a Corporate Resolution. - 12/17/2025 EV2/B - Investor accepts the certificate of status to evidence existence of the (redacted) in lieu of the Articles of Incorporation, and use of executed Note to document all owners authorization to take out new debt in lieu of a Corporate Resolution. | Funded D B |
| (redacted) | 304904499 (redacted) | 1155521 | 12/18/2025 | Property | Health and Safety Issue | PROP 0005 | 3 | 1 | Closed | New - Based upon review of APPR 0002. Exterior photo of the subject shows a broken skirt board under the upstairs balcony. Missing confirmation from the (redacted) that the broken board does not pose any health or safety issues with estimated cost to repair. | 12/30/2025 | Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; |  | 12/30/2025 Finding is cleared with the attached updated appraisal. Per (redacted), "There is a broken board on the upper balcony (see photo) The broken board does not pose any health or safety issues. Cost to repair- (redacted)". - 12/30/2025 Finding is cleared with the attached updated appraisal. Per appraiser, "There is a broken board on the upper balcony (see photo) The broken board does not pose any health or safety issues. Cost to repair- (redacted)". | Funded C A |
| (redacted) | 304904500 (redacted) | 1153839 | 12/10/2025 | Compliance | Missing Notary on Mortgage/DOT | DEED 0022 | 3 | 1 | Closed | Mortgage is missing the attached notary certification. | 12/12/2025 | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 12/12/2025 Finding is cleared with the attached copy of the executed Mortgage with notary certification for all guarantors. - 12/12/2025 Finding is cleared with the attached copy of the executed Mortgage with notary certification for all guarantors.<br> 12/12/2025 Finding is partially cleared with the attached Mortgage with notary certification (redacted). Still missing notary certification (redacted). | Funded C A |
| (redacted) | 304904500 (redacted) | 1153840 | 12/10/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 2 | Acknowledged | Missing Articles of Incorporation and Corporate Resolution,(redacted). -- Per guidelines, (redacted) as Mortgagor: Copy of filed articles of organization to evidence the existence of the (redacted). Corporate Resolution from the board to authorize the taking out of debt in the (redacted) name. |  | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 12/17/2025 EV2/B - Investor accepts the certificate of status to evidence existence of the (redacted) in lieu of the Articles of Incorporation, and use of executed Note to document all owners authorization to take out new debt in lieu of a Corporate Resolution. | Funded D B |
| (redacted) | 304904500 (redacted) | 1153842 | 12/10/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 2 | Acknowledged | Missing VOM. Per guidelines, (redacted) on all owned real estate.<br>Missing VOM for (redacted),<br>Missing CD for concurrent purchase, (redacted)<br>Missing CD for concurrent purchase, (redacted)<br>Missing CD for concurrent purchase, (redacted) |  | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 01/06/2026 EV2/B - Received post-consummation dated CD for purchase transaction, (redacted) to support the disclosed mortgage and payment on the application. The loan is a DSCR, thus post-consummation dated documentation on non-subject REO is deemed non-material. All prior parts of the original finding were previously cleared.<br> 01/05/2026 Received settlement statement, (redacted) -- Missing estimated CD/Settlement Statement for concurrent purchase, (redacted) indicated to not have closed. All other part of the exception were previously cleared.<br> 12/18/2025 Recd settlement statement for (redacted). Wet signed CD can be accepted for non-subject REO, non-final based on the disbursement date being prior to date the loan documents were executed. Missing estimated CD/Settlement Statement for concurrent purchase, (redacted) indicated to not have closed. NOTE: Mortgage statement in file, (redacted), documents a satisfactory mortgage rating since acquisition (redacted) to (redacted), thus no additional documentation for this property is required.<br> 12/12/2025 Recd CD, (redacted), and settlement statement, (redacted) -- Finding remains. Settlement statement for (redacted) does not appear to be final. The disbursement date of (redacted) is prior to the transaction date. Guarantor (redacted) didn't sign the loan documents until (redacted).<br>1) Missing VOM for (redacted).<br> 2) Missing CD for concurrent purchase, (redacted)<br> 3) Missing CD for concurrent purchase, (redacted) | Funded C B |
| (redacted) | 304904500 (redacted) | 1153843 | 12/10/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 3 | 2 | Acknowledged | Missing credit inquiry letter. |  | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 12/17/2025 EV2/B - DSCR loan, thus any new liabilities would not have a material impact on the loan. | Funded C B |
| (redacted) | 304904500 (redacted) | 1153846 | 12/10/2025 | Credit | Initial 1003 Application is Incomplete | APP 0004 | 3 | 1 | Closed | Loan file is missing the initial (redacted), (redacted). | 01/15/2026 | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 01/15/2026 Finding is cleared with the attached copy of guarantor, (redacted), initial (redacted) signed post-consummation. - 01/15/2026 Finding is cleared with the attached copy of guarantor, (redacted), initial (redacted) signed post-consummation. | Funded C A |
| (redacted) | 304904500 (redacted) | 1153868 | 12/10/2025 | Property | Appraisal is Incomplete | APPR 0002 | 3 | 1 | Closed | Contract Section of the Appraisal Report is not fully completed by the (redacted). (redacted) does not address whether the transaction is arms-length or the fact that the borrowers are purchasing (redacted) properties from the seller under a single contract. | 12/18/2025 | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 12/18/2025 Finding is cleared with the attached updated appraisal. (redacted) confirms arms length transaction.<br>- 12/18/2025 Finding is cleared with the attached updated appraisal. Appraisers confirms arms length transaction. | Funded C A |
| (redacted) | 304904500 (redacted) | 1153880 | 12/10/2025 | Compliance | Loan disbursed prior to loan transaction date. | CRED 0121 | 3 | 1 | Closed | Missing a copy of the final settlement or CD executed by all guarantors. Settlement statements in file reflect a disbursement date of (redacted), but the guarantor (CD) did not execute the loan documents until (redacted). -- Per guidelines, All (redacted) authorized signers (non-guarantors) must sign the following documents: HUD | 01/09/2026 | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 01/09/2026 Finding is cleared with the attached ledger showing the loan proceeds were not disbursed until after the loan documentation was signed by all guarantors. (redacted) is a wet-funding state so the CD signed is considered the final CD. - 01/09/2026 Finding is cleared with the attached ledger showing the loan proceeds were not disbursed until after the loan documentation was signed by all guarantors. (redacted) is a wet-funding state so the CD signed is considered the final CD.<br> 12/18/2025 The settlement agent should have a copy of the final settlement statement reflecting the date the loan proceeds were disbursed. | Funded C A |
| (redacted) | 304904498 (redacted) | 1154043 | 12/11/2025 | Compliance | Loan disbursed prior to loan transaction date. | CRED 0121 | 3 | 1 | Closed | Missing a copy of the final settlement or CD executed by all guarantors. Settlement statements in file reflects a disbursement date of (redacted), but the guarantor (CD) did not execute the loan documents until (redacted). -- Per guidelines, All (redacted) authorized signers (non-guarantors) must sign the following documents: HUD | 01/09/2026 | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 01/09/2026 Finding is cleared with the attached ledger showing the loan proceeds were not disbursed until after the loan documentation was signed by all guarantors. (redacted) is a wet-funding state so the CD signed is considered the final CD. - 01/09/2026 Finding is cleared with the attached ledger showing the loan proceeds were not disbursed until after the loan documentation was signed by all guarantors. (redacted) is a wet-funding state so the CD signed is considered the final CD.<br> 12/18/2025 The settlement agent should have a copy of the final settlement statement with the correct disbursement date. | Funded C A |
| (redacted) | 304904498 (redacted) | 1154059 | 12/11/2025 | Credit | Missing Letter of Explanation | CRED 0104 | 3 | 2 | Acknowledged | Missing credit inquiry letter. |  | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 12/17/2025 EV2/B - DSCR loan, thus any new liabilities would not have a material impact on the loan. | Funded C B |
| (redacted) | 304904498 (redacted) | 1154061 | 12/11/2025 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 2 | Acknowledged | Missing Articles of Incorporation and Corporate Resolution, (redacted). -- Per guidelines, (redacted) as Mortgagor: Copy of filed articles of organization to evidence the existence of the (redacted). Corporate Resolution from the board to authorize the taking out of debt in the (redacted) name. |  | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 12/17/2025 EV2/B - Investor accepts the certificate of status to evidence existence of the (redacted) in lieu of the Articles of Incorporation, and use of executed Note to document all owners authorization to take out new debt in lieu of a Corporate Resolution. | Funded D B |
| (redacted) | 304904498 (redacted) | 1154062 | 12/11/2025 | Property | Appraisal is Incomplete | APPR 0002 | 3 | 1 | Closed | Contract Section of the Appraisal Report is not fully completed by the appraiser. (redacted) does not address whether the transaction is arms-length or the fact that the borrowers are purchasing (redacted) properties from the seller under a single contract. | 12/18/2025 | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 12/18/2025 Finding is cleared with the attached updated appraisal. (redacted) confirms arms length transaction. - 12/18/2025 Finding is cleared with the attached updated appraisal. Appraisers confirms arms length transaction. | Funded C A |
| (redacted) | 304904498 (redacted) | 1154064 | 12/11/2025 | Credit | Credit Documentation is Insufficient | CRED 0093 | 3 | 2 | Acknowledged | Missing VOM. Per guidelines, (redacted) on all owned real estate.<br>Missing VOM for (redacted).<br>Missing CD for concurrent purchase, (redacted)<br>Missing CD for concurrent purchase, (redacted)<br>Missing CD for concurrent purchase, (redacted) |  | Verified housing payment history - Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.<br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months. <br>Guarantor (redacted) credit report reflects one open mortgage satisfactorily rated (redacted) months.; Verified credit history - Middle Credit Scores (redacted) > (redacted) Minimum Required.; |  | 01/05/2026 EV2/B - Received post-consummation dated CD, (redacted). Note: All other parts of the original finding were previously satisfied.<br> 12/18/2025 Recd non-final settlement statement for (redacted) and CD for (redacted). Non-final settlement statement can be accepted for non-subject REO, non-final based on the disbursement date being prior to date the loan documents were executed. Missing estimated CD/Settlement Statement for concurrent purchase, (redacted) indicated to not have closed. NOTE: Mortgage statement in file, (redacted), documents a satisfactory mortgage rating since acquisition (redacted) to (redacted), thus no additional documentation for this property is required. | Funded C B |
| (redacted) | 304904501 (redacted) | 1157694 | 01/05/2026 | Credit | Missing Final 1003 Application | APP 0001 | 4 | 1 | Closed | Missing final applications for all four borrowers. | 01/06/2026 |  |  | 01/06/2026 Finding is cleared with the attached copy of the final applications. - 01/06/2026 Finding is cleared with the attached copy of the final applications. | Funded D A |
| (redacted) | 304904501 (redacted) | 1157855 | 01/06/2026 | Compliance | Loan disbursed prior to loan transaction date. | CRED 0121 | 3 | 1 | Closed | Missing the final settlement statement with actual disbursement date. CD was not signed by (redacted) until (redacted) but the CD reflects a disbursement date of (redacted). | 01/09/2026 |  |  | 01/09/2026 Finding is cleared with the attached ledger showing the loan proceeds were not disbursed until after the loan documentation was signed by all guarantors. (redacted) is a wet-funding state so the CD signed is considered the final CD. - 01/09/2026 Finding is cleared with the attached ledger showing the loan proceeds were not disbursed until after the loan documentation was signed by all guarantors. (redacted) is a wet-funding state so the CD signed is considered the final CD. | Funded C A |
| (redacted) | 304904501 (redacted) | 1157856 | 01/06/2026 | Compliance | Missing Notary on Mortgage/DOT | DEED 0022 | 3 | 1 | Closed | Missing notary for (redacted). Notary page reflects all qualifying guarantors signing (redacted), however (redacted) signed at a later date (redacted). | 01/09/2026 |  |  | 01/09/2026 Finding is cleared with the attached Mortgage that includes all notary acknowledgments. - 01/09/2026 Finding is cleared with the attached Mortgage that includes all notary acknowledgments.<br> 01/06/2026 Finding is partially cleared with the attached notary acknowledgment for (redacted). Still missing notary acknowledgement for (redacted) dated (redacted). | Funded C A |
| (redacted) | 305035832 (redacted) | 1159671 | 01/13/2026 | Credit | Missing Copy of Unexpired, Government-issued ID | CRED 0105 | 3 | 1 | Closed | Missing copy of the qualifying guarantors unexpired government issued ID's. -- GL requires, Copy of state issued ID for all Qualifying Guarantors. | 01/14/2026 | Verified credit history - Middle Credit Scores (redacted) / (redacted) > (redacted) Minimum Required.; Verified housing payment history - Qualifying guarantor, (redacted), credit report confirms (redacted) months satisfactory mortgage rating on primary residence. VOM for subject property confirms (redacted) months satisfactory mortgage rating.; Verified reserves - (redacted) months verified reserves > (redacted) months required.; |  | 01/14/2026 Finding is cleared with the attached copies of the borrowers unexpired state issued drivers licenses. - 01/14/2026 Finding is cleared with the attached copies of the borrowers unexpired state issued drivers licenses. | Funded C A |
| (redacted) | 305035832 (redacted) | 1159673 | 01/13/2026 | Credit | Final 1003 Application is Incomplete | APP 0002 | 3 | 2 | Acknowledged | Missing, (redacted), executed final guarantor application. |  | Verified credit history - Middle Credit Scores (redacted) / (redacted) > (redacted) Minimum Required.; Verified housing payment history - Qualifying guarantor, (redacted), credit report confirms (redacted) months satisfactory mortgage rating on primary residence. VOM for subject property confirms (redacted) months satisfactory mortgage rating.; Verified reserves - (redacted) months verified reserves > (redacted) months required.; |  | 02/27/2026 EV2/B Finding is downgraded with the attached post consummation dated application for the co-guarantor. - 02/27/2026 EV2/B Finding is downgraded with the attached post consummation dated application for the co-guarantor.<br> 02/20/2026 Attached initial application is dated prior to the transaction application date. Missing, (redacted), executed final guarantor application. | Funded C B |
| (redacted) | 305035832 (redacted) | 1159692 | 01/13/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing Certificate of Good Standing and Operating Agreement, (redacted). -- Guidelines require, <br>Articles of Organization/Formation, Current Operating Agreement, Certificate of Good Standing, (redacted) Letter or Executed (redacted). | 01/22/2026 | Verified credit history - Middle Credit Scores (redacted) / (redacted) > (redacted) Minimum Required.; Verified housing payment history - Qualifying guarantor, (redacted), credit report confirms (redacted) months satisfactory mortgage rating on primary residence. VOM for subject property confirms (redacted) months satisfactory mortgage rating.; Verified reserves - (redacted) months verified reserves > (redacted) months required.; |  | 01/22/2026 Finding is cleared with the attached copy of the operating agreement and fraud report that includes corporate filing report confirming the business status is active. - 01/22/2026 Finding is cleared with the attached copy of the operating agreement and fraud report that includes corporate filing report confirming the business status is active. | Funded D A |
| (redacted) | 305035832 (redacted) | 1159696 | 01/13/2026 | Credit | Missing evidence of property management experience | CRED 0039 | 3 | 1 | Closed | Missing evidence of property management experience. Loan file is missing a copy of the property management agreement indicated to have been approved (redacted). | 01/22/2026 | Verified credit history - Middle Credit Scores (redacted) / (redacted) > (redacted) Minimum Required.; Verified housing payment history - Qualifying guarantor, (redacted), credit report confirms (redacted) months satisfactory mortgage rating on primary residence. VOM for subject property confirms (redacted) months satisfactory mortgage rating.; Verified reserves - (redacted) months verified reserves > (redacted) months required.; |  | 01/22/2026 Finding is cleared with the attached property management agreement. - 01/22/2026 Finding is cleared with the attached property management agreement. | Funded C A |
| (redacted) | 305039473 (redacted) | 1163237 | 02/04/2026 | Credit | Income Documentation is Insufficient | CRED 0082 | 3 | 1 | Closed | Business narrative is not signed by the borrower. | 03/16/2026 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed for Rural Property.; Low DTI - (redacted) DTI < (redacted) Max Allowed.; |  | 03/16/2026 Received borrower signed business narrative. - 03/16/2026 Received borrower signed business narrative. | Funded C A |
| (redacted) | 305039473 (redacted) | 1163261 | 02/04/2026 | Credit | Missing Letter of Explanation | CRED 0104 | 3 | 1 | Closed | Missing credit inquiry letter: (redacted) | 03/16/2026 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed for Rural Property.; Low DTI - (redacted) DTI < (redacted) Max Allowed.; |  | 03/16/2026 Received borrower signed credit inquiry letter. - 03/16/2026 Received borrower signed credit inquiry letter. | Funded C A |
| (redacted) | 305039473 (redacted) | 1163264 | 02/04/2026 | Credit | Missing Employment doc (VOE) | CRED 0007 | 3 | 2 | Acknowledged | Missing (redacted) letter, (redacted), or (redacted) employment letter, (redacted), confirming self-employment within (redacted) days of the Note date of (redacted). (redacted) and employment letters in file are dated > (redacted) days. Borrower is a (redacted) employee, thus printout from the employers website does not satisfactorily confirm the existence of the borrowers self-employment business. |  | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed for Rural Property.; Low DTI - (redacted) DTI < (redacted) Max Allowed.; |  | 03/16/2026 EV2/B - Finding is downgraded with the attached post-consummation dated VOE from (redacted) employer confirming active employment, which is in support of the pre-consummation dated (redacted) letter and (redacted) VOE in file.<br> 03/03/2026 Attached (redacted) letter does not confirm the business is active, only that the (redacted) prepared the (redacted) tax return. | Funded C B |
| (redacted) | 305047456 (redacted) | 1164792 | 02/10/2026 | Credit | Payoff/Demand Statement has a discrepancy in the data | DMND 0002 | 3 | 1 | Closed | Missing updated payoff statement. Payoff of (redacted) at closing on (redacted) < (redacted) payoff quote good thru (redacted). | 03/03/2026 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  | 03/03/2026 Finding is cleared with the attached payoff that includes the adjustment for the current escrow balance, new payoff (redacted). - 03/03/2026 Finding is cleared with the attached payoff that includes the adjustment for the current escrow balance, new payoff (redacted). | Funded C A |
| (redacted) | 305047456 (redacted) | 1164799 | 02/10/2026 | Credit | Missing Sufficient Evidence of Insurance | INS 0001 | 3 | 1 | Closed | Missing evidence of insurance with (redacted) reflected as mortgagee (redacted), (redacted) | 03/06/2026 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  | 03/06/2026 Finding is cleared with the updated EOI. Liability coverage > (redacted) is required for mixed-use properties, not multi family (redacted) units. - 03/06/2026 Finding is cleared with the updated EOI. Liability coverage > (redacted) is required for mixed-use properties, not multi family (redacted) units.<br> 03/03/2026 Received updated EOI. - Finding remains. Missing EOI reflecting lender and loan number. Updated liability exposure was updated on (redacted) to (redacted) < (redacted) required.<br> 02/19/2026 Attached policy change endorsement reflects the correct lender, but the loan number, (redacted), is inaccurate. Actual loan number is (redacted). | Funded C A |
| (redacted) | 305047456 (redacted) | 1164801 | 02/10/2026 | Credit | Missing Evidence of Verified Property Tax and / or Homeowners Insurance Information | CRED 0103 | 3 | 1 | Closed | Missing documented property tax on the improved value of the subject property. Per appraiser, Guarantor purchased the (redacted) acre vacant site (redacted) for (redacted). The site was been subdivided into (redacted) tracts and the subject tract improved with an apartment building. Final DSCR calculation is pending verification of property taxes on the improved value. | 03/05/2026 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  | 03/05/2026 Finding is cleared the attached tax search using the parcel ID which confirms the (redacted) tax was based on the improved value. - 03/05/2026 Finding is cleared the attached tax search using the parcel ID which confirms the (redacted) tax was based on the improved value. | Funded C A |
| (redacted) | 305047456 (redacted) | 1164836 | 02/10/2026 | Credit | Guideline Exception(s) | GIDE 0001 | 3 | 1 | Closed | Building coverage of (redacted) is based on the actual cash value (redacted). -- Per guidelines, (redacted) of the insurable value of improvements, as established by the property insurer is required. | 03/03/2026 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  | 03/03/2026 Finding is cleared with the attached policy change endorsement, valuation was changed from ACV to Replacement Cost with coverage increased to (redacted). - 03/03/2026 Finding is cleared with the attached policy change endorsement, valuation was changed from ACV to Replacement Cost with coverage increased to (redacted). | Funded C A |
| (redacted) | 305047456 (redacted) | 1164846 | 02/10/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing certificate of good standing, (redacted), as required per guidelines. | 02/13/2026 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  | 02/13/2026 Finding is cleared with the attached (redacted), active business status. - 02/13/2026 Finding is cleared with the attached (redacted), active business status. | Funded D A |
| (redacted) | 305047456 (redacted) | 1164855 | 02/10/2026 | Credit | Unacceptable transaction type | CRED 0044 | 3 | 1 | Closed | Missing settlement statement for prior refinance transaction with (redacted). The borrower closed on prior loan with the same lender on (redacted). Review is unable to determine purpose of the no cost refinance, interest rate reduced from (redacted). | 03/03/2026 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  | 03/03/2026 Lender confirmed rate/term refinance was completed to cure compliance issues identified on the prior loan, borrower was provided (redacted) interest rate reduction. Settlement statement for prior transaction previously provided. - 03/03/2026 Lender confirmed rate/term refinance was completed to cure compliance issues identified on the prior loan, borrower was provided (redacted) interest rate reduction. Settlement statement for prior transaction previously provided.<br> 02/19/2026 Lender to provide reason for subject transaction refinance with only (redacted) interest rate reduction.<br> 02/13/2026 Finding is partially cleared with the attached settlement statement, prior transaction was cash out refinance. Lender to provide reason for refinance with only (redacted) interest rate reduction. | Funded C A |
| (redacted) | 305047456 (redacted) | 1164861 | 02/10/2026 | Compliance | File Documentation is Incomplete (Compliance) | COMP 0047 | 3 | 1 | Closed | All loan documents have the incorrect date of (redacted) instead of (redacted). The Note and Deed of Trust were redrawn with the correct date and signed by the guarantor, but all other documents reflect the incorrect date:<br>(redacted) | 02/13/2026 | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  | 02/13/2026 Received the following documents (redacted):<br> Note <br> DOT <br> 1003 <br> Security Agreement<br> Guaranty <br> Compliance Agreement<br> Hazard Insurance Disclosure<br> Arbitration Agreement<br> Conditional Loan Approval<br> ECOA Disclosure<br> Certificate of NOO<br> Anti-Money Laundering<br> Signature Affidavit<br> Business Purpose Certification<br> Environmental Agreement<br> Entity Certificate<br>- 02/13/2026 Received the following documents 1/28/2026:<br> Note <br> DOT <br> (redacted) <br> Security Agreement<br> Guaranty <br> Compliance Agreement<br> Hazard Insurance Disclosure<br> Arbitration Agreement<br> Conditional Loan Approval<br> ECOA Disclosure<br> Certificate of NOO<br> Anti-Money Laundering<br> Signature Affidavit<br> Business Purpose Certification<br> Environmental Agreement<br> Entity Certificate | Funded C A |
| (redacted) | 305047456 (redacted) | 1164863 | 02/10/2026 | Compliance | Scrivener's Error | DEED 0050 | 3 | 2 | Acknowledged | Note, DOT, Guaranty Agreement are all print dated (redacted) vs (redacted). |  | Low LTV/CLTV/HCLTV - (redacted) LTV < (redacted) Max Allowed.; Verified credit history - Middle Credit Score (redacted) > (redacted) Minimum Required.; Verified reserves - (redacted) Months Verified Reserves > (redacted) Months Required.; |  | 03/05/2026 Finding is downgraded with the attached copy of the recorded corrected Deed of Trust.<br> 02/19/2026 The maturity date of (redacted) on the corrected DOT dated (redacted) is inaccurate. Actual maturity date per the corrected note dated (redacted) is (redacted). -- Finding remains. Missing scriveners error affidavit. <br> 02/13/2026 Escalated for review. | Funded C B |
| (redacted) | 305046174 (redacted) | 1168571 | 02/25/2026 | Credit | Missing Hazard Insurance Certification Number | HAZ 0003 | 3 | 1 | Closed | Missing (redacted) insurance certification number; only a binder provided (redacted). | 02/27/2026 |  |  | 02/27/2026 Finding is cleared with the attached EOI. - 02/27/2026 Finding is cleared with the attached EOI. | Funded C A |
| (redacted) | 305046174 (redacted) | 1168801 | 02/25/2026 | Credit | Entity Documentation is Insufficient | CRED 0143 | 4 | 1 | Closed | Missing the following entity documents required by guidelines:<br>Correction Agreement<br>Letter from borrowers confirming that the (redacted) was created to manage real estate.<br>| 02/27/2026 |  |  | 02/27/2026 Finding is cleared with the attached articles of organization that shows nature of business as being, lessors of residential buildings and dwellings. - 02/27/2026 Finding is cleared with the attached articles of organization that shows nature of business as being, lessors of residential buildings and dwellings.<br> 02/27/2026 Finding is partially cleared with the attached correction agreement. Still missing letter from borrowers confirming that the (redacted)was created to manage real estate. | Funded D A |
| (redacted) | 305050819 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |
| (redacted) | 305053771 (redacted) | 1170090 | 03/04/2026 | Compliance | No proof borrower(s) can receive documents via the electronic method as intended | TRID 0135 | 3 | 1 | Closed | Missing eConsent. E-Sign Disclosure / Tracking Documents are not in file. Documents are executed electronically. | 03/06/2026 |  |  | 03/06/2026 Finding is cleared with the attached disclosure tracking documenting the eConsent date of (redacted). - 03/06/2026 Finding is cleared with the attached disclosure tracking documenting the eConsent date of (redacted).<br> 03/05/2026 Attached (redacted) reflects an acceptance date of (redacted). Missing is the initial eConsent date. Initial disclosures date (redacted) were electronically signed. | Funded C A |
| (redacted) | 305053771 (redacted) | 1170206 | 03/04/2026 | Credit | Missing Employment doc (VVOE) | CRED 0006 | 3 | 1 | Closed | Missing (redacted) present employer VOE. Per (redacted), obtain a (redacted)-day pre-closing verification ((redacted)-day PCV) for (redacted) employment income dated no more than (redacted) business days before the note date. | 03/05/2026 |  |  | 03/05/2026 Finding is cleared with the attached (redacted) resubmission. - 03/05/2026 Finding is cleared with the attached (redacted) resubmission. | Funded C A |
| (redacted) | 305056987 (redacted) |  |  | No Finding | No Finding |  |  | 1 | No Finding |  |  |  |  |  | Funded A |

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## Exhibit 99.29

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.29**

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| | | | | |
|:---|:---|:---|:---|:---|
| JPM Loan ID | Initial Overall Event Level | Final Overall Event Level | Originator QM/ATR Status | TPR QM/ATR Status |
| 304873832 (redacted) | 3 | 2 C A B | 3 | Not Covered / Exempt (redacted) |
| 304847670 (redacted) | 4 | 1 D A | 1 | Not Covered / Exempt (redacted) |
| 304904499 (redacted) | 4 | 2 D C B A | 1 | Not Covered / Exempt (redacted) |
| 304904500 (redacted) | 4 | 2 D C B A | 1 | Not Covered / Exempt (redacted) |
| 304904498 (redacted) | 4 | 2 D C B A | 1 | Not Covered / Exempt (redacted) |
| 304904501 (redacted) | 4 | 1 D C A | 1 | Not Covered / Exempt (redacted) |
| 305035832 (redacted) | 4 | 2 D A B | 3 | Not Covered / Exempt (redacted) |
| 305039473 (redacted) | 3 | 2 C A B | 3 | Non-QM / Compliant (redacted) |
| 305047456 (redacted) | 4 | 2 D C A B | 3 | Not Covered / Exempt (redacted) |
| 305046174 (redacted) | 4 | 1 D A | 1 | Not Covered / Exempt (redacted) |
| 305050819 (redacted) | 1 | 1 A | 1 | Not Covered / Exempt (redacted) |
| 305053771 (redacted) | 3 | 1 C A | 1 | Non-QM / Compliant (redacted) |
| 305056987 (redacted) | 1 | 1 A | 1 | Non-QM / Compliant (redacted) |

---

## Exhibit 99.30

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | | | |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO 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** | **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** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Variance Amount** | **Variance(%)** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Valuation Comments** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** |
| (redacted) | 304873832 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| (redacted) | 304847670 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | 1 |
| (redacted) | 304904499 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304904500 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304904498 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 304904501 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305035832 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Subject was listed for (redacted) < (redacted) months. Appraisal value used since it is less than the list price. |  |  |
| (redacted) | 305039473 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305047456 (redacted) | No | No (redacted) |  |  | (redacted) | 5.49% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Residential (redacted) Units:<br>(redacted)<br>Lender used the sales comparison approach of (redacted) versus the final estimated market value of (redacted). ; GL under DSCR allows for multi-family (redacted) unit properties, thus no exception cited. |  |  |
| (redacted) | 305046174 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | 1 |
| (redacted) | 305050819 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  | (redacted) | 0.00 | 0.00% (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (redacted) | 305053771 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | 1 |
| (redacted) | 305056987 (redacted) | No | No (redacted) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | 2 |

---

## Exhibit 99.31

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.31**

**EXECUTIVE SUMMARY**

JPMMT 2026-NQM3

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence"), a third-party diligence provider, performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by JPMorgan Chase Bank, National Association (the "Client").

The Review was conducted from August 2025 to November 2025 on mortgage loans (the "Loans") originated from July 2025 to November 2025.

The Review consisted of a population of 2 loans with an original loan balance of $249,630.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following (collectively, the "Credit Review"):

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Review Initial & Final Application</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Check application for completeness. Determine whether the
information in the preliminary Loan application, final application, and all credit documents is consistent or reconciled.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validate Social Security/Taxpayer Identification number
is valid

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Form is complete, signed, dated, on or before loan consummation
date, and NMLS is complete

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Review AUS Decision and Approval Conditions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Underwriting decision is supported (manual underwrite credit
conditions have been satisfied prior to closing the approved Loan package)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Validation of income calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validation of assets/funds to close

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation of debt-to-income ratio ("DTI")
calculations. If applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Validation of debt service coverage ratio ("DSCR")
calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Validation of LTV calculations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Validation of payment shock calculations if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. DSCR Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review of hazard coverage and verification that sufficient
coverage was in place on subject and all premiums were included in DSCR calculation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review of rental income and/or market rents and validation
of DSCR calculation, if applicable

![](maxwell.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Review Occupancy/Red Flags</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the borrower
(s) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Occupancy Red flags adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate names, social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. "Doing business as" or "also known as"
names investigated and cleared

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate credit inquiries within 90 days have been properly
addressed

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Reviews Fraud Report to compare vs loan documentation:</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validates Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verifies address information associated with the Borrower
(s) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate history and stability
of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review employment and income
by analyzing income documents and comparing against re-verification documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s and paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts (as applicable)
support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax returns and profit and
loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank statements or other alternate
income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing employment,
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease agreements and market
rents, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm adequate funds to cover
required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient funds were sourced
and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift funds verified and met
guidelines

![](maxwell.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest money deposit verified

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Closing Documents</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review security documents to ensure the Loan was closed
in accordance with approval and with all required signatures

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing disclosure or Settlement Statements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

Loans with application dates after January 10, 2014 and prior to October 1, 2022 are subject to the Qualified Mortgage ("QM") rule and the Ability to Repay ("ATR") rule under Regulation Z of the Truth in Lending Act, as amended. Effective October 1, 2022, Loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence reviewed each
mortgage loan to determine each mortgage loan's status under the QM and ATR rule requirements and assign a QM and ATR designation
as determined by MaxDiligence. MaxDiligence will note as a material exception if its QM and ATR designations do not confirm to the originator's
original QM and ATR designations. Additionally, MaxDiligence will note if an originator's mortgage loan designation was not provided.
MaxDiligence shall use the following designations:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. MaxDiligence utilizes the following
QM designations for applicable Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) QM Safe-Harbor (also known
as General QM) (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) QM Rebuttal Presumption (including
Higher-priced loans)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Temporary QM (for all applications
prior to October 1, 2022)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Non-QM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. MaxDiligence utilizes the following
ATR designations for applicable Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) ATR Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) ATR Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) ATR Exempt

![](maxwell.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In order to determine the QM
designation, as applicable, MaxDiligence will review each Loan for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Use of any risky mortgage loan
features and terms (e.g. an interest only feature or negative amortization);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Do the "points and fees"
exceed the applicable QM threshold;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Was monthly payment calculated
appropriately;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Did the creditor considered
and verify income or assets at or before consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Did the creditor appropriately
considered debt obligations, alimony and child support;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. For mortgage loan applications
prior to October 1, 2022, if the DTI ratio exceeded 43% (calculated in accordance with Appendix Q to Regulation Z).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. For mortgage loan applications
on and after October 1, 2022, for which the annual percentage rate does not exceed the average prime offer rate for a comparable transaction
as of the date the interest rate is set by the amounts specified based on loan amount (adjusted annually on January 1 by the annual percentage
change in the Consumer Price Index for All Urban Consumers (CPI-U) that was reported on the preceding June 1) and the lien position of
the proposed credit:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) For a first-lien covered transaction
with a loan amount greater than or equal to $110,260 (indexed for inflation), 2.25 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) For a first-lien covered transaction
with a loan amount greater than or equal to $66,156 (indexed for inflation) but less than $110,260 (indexed for inflation), 3.5 or more
percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) For a first-lien covered transaction
with a loan amount less than $66,156 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) For a first-lien covered transaction
secured by a manufactured home with a loan amount less than $110,260 (indexed for inflation), 6.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) For a subordinate-lien covered
transaction with a loan amount greater than or equal to $66,156 (indexed for inflation), 3.5 or more percentage points; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) For a subordinate-lien covered
transaction with a loan amount less than $66,156 (indexed for inflation), 6.5 or more percentage points.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Upon completion of Section
12(B) above, if a Loan is determined to be a QM loan, MaxDiligence will determine if the Loan is a Higher-Priced Mortgage Loan ("HPML")
as defined by 12 CFR 1026.35:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the Loan is HPML, then the
Loan shall be designated as QM Rebuttal Presumption (Higher Priced);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If the Loan is not an HPML,
then the Loan shall be designated as QM Safe Harbor.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Upon completion of Section
12(B) above, for each Loan that is designated as Non-QM, MaxDiligence then will determine whether the mortgage loan complies with the
ATR rule, in accordance with the Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. MaxDiligence will evaluate
the Loan for ATR compliance based on the following eight factors and will verify such information using reasonably reliable third-party
records, at or before consummation:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets: Recalculate
borrower(s)'s monthly gross income, and validate funds required to close and required reserves, to confirm that the borrower has
current or reasonably expected income or assets (other than the value of the property that secures the Loan) that the borrower will rely
on to repay the Loan. Review Loan documentation for required level of income and asset verifications.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment: Review file documentation
for required level of employment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment: Confirm
that the correct program, qualifying rate, and terms were used to calculate projected monthly mortgage payment.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans: Ensure
that all concurrent Loans were included in the DTI calculation, to properly assess the ability to repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage-Related Obligations:
Validate that the subject Loan's monthly payment calculation includes principle, interest, taxes, and insurance, as well as other
costs related to the property such as homeowners' association fees, private mortgage insurance, ground rental fees, etc.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations: Validate
monthly recurring non-mortgage-related liabilities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI / Residual Income - Validate
DTI or "residual income," based upon all mortgage and non-mortgage obligations, calculated as a ratio of gross monthly income,
based on documentation provided in the file.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit History: Review credit
report for credit history and required credit depth, including any / all inquiries, and determine a representative credit score from the
credit report.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Upon completion of Section
12(E) above, MaxDiligence will assign an ATR designation.

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**Property Review**

MaxDiligence performed a "Property Review," which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's review included a review of the valuation
materials utilized during the origination of the applicable loan and in confirming the value of the underlying property. MaxDiligence's
review will include verifying the appraisal report:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. On the appropriate appraisal form:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Completed such that the named client on the appraisal report
is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, or if the appraisal was performed for
another lender, the file contains a transfer letter from the original lender

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The original appraisal is 'As is' or Inspection received
including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied
portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate
authorities.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Determine whether the appraised value is supported at or
within 10% variance based on a third-party valuation product. If a third-party valuation product is in file but notes a variance above
10% or an inconclusive value, MaxDiligence recommended a BPO or field review be ordered.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. With regard to the use of comparable properties, MaxDiligence's
review will (a) reviewed the relative comparable data (gross and net adjustments, sale dates and distance from subject property) and ensure
that such comparable properties are within standard appraisal guidelines; (b) confirmed the property value and square footage of the subject
property was bracketed by comparable properties, (c) verified that comparable properties used are similar in size, style, and location
to the subject, and (d) checked for the reasonableness of adjustments when reconciling value between the subject property and comparable
properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Other aspects of MaxDiligence's review included (i)
verifying that the address matched the mortgage note, ((ii) if requested, noting whether the property zip code was declared a FEMA disaster
area after the valuation date and notifying the Client of same, (iii) confirming the appraisal report does not include any apparent environmental
problems, (iv) confirming the appraisal notes the current use of the property is legal or legal non-conforming (grandfathered), (v) reviewing
pictures to ensure (a) that the property is in average or better condition and any repairs are noted where required and (b) that the subject
property is the one for which the valuation was ordered and that there are no negative external factors; and (vi) confirming that the
value product that was used as part of the origination decision conforms with rating agency requirements.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If more than one valuation was provided, MaxDiligence will
confirm consistency among the valuation products and if there are discrepancies that could not be resolved, MaxDiligence created an exception,
and work with the client on the next steps which may include ordering of additional valuation products such as collateral desktop reviews,
broker's price opinions, and full appraisals, if needed. If the property valuation products included in MaxDiligence's review
result in a variance of more than 10% then the client was notified of such variance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. MaxDiligence confirmed to the extent possible, that the
appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, MaxDiligence will
review the appraisal for conformity to industry standards, including ensuring the appraisal was complete, that the comparable properties
and adjustments were reasonable and that pictures were provided and were accurate.

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

**Compliance Review**

"Compliance Review" means that MaxDiligence reviewed each Loan to determine, as applicable and subject to the limitations below, whether the Loan complied with the applicable Federal, State, and local regulatory requirements, each as amended. A Compliance Review shall not apply to business purpose loans.

The below Compliance Review is applicable to Loans with an application date on or after October 3, 2015, which are subject to the TILA/RESPA Integrated Disclosure Rule ("<u>TRID</u>"). With regard to TRID testing, MaxDiligence implemented the TRID scope of review as detailed in (i) Section III -Regulatory Compliance of the SFA RMBS TRID Grid 4.0 Compliance Review Scope published by the Structured Finance Association (formerly SFIG) (the "SFA RMBS Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. On an ongoing basis, MaxDiligence reviews updated interpretations of TRID through informal guidance provided by the Consumer Financial Protection Bureau ("CFPB"), such CFPB guidance may cause changes in the review scope and severity of TRID related exceptions, including applicable cures. While MaxDiligence continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Loan Estimates ("LEs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the initial LE and
confirmed (i) the correct form was used; (ii) all sections of the Initial LE are completed; and (iii) the initial LE accurately reflects
the information provided to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If there is a revised LE, confirmed
(i) that there is a "valid reason" for the revised LE; and (ii) that the revised LE was issued within three (3) days of the
change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determined which LE in the
file is the "final binding" LE for the purpose of Tolerance Testing. A revised LE that is issued after the CD, or that does
not state a valid reason will not be used for the purposes of Tolerance Testing. All revised LEs issued to the consumer will be reviewed
for accuracy of terms.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Confirmed initial LE was delivered
within three (3) business days from the application date, and at least seven (7) business days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirmed revised LE was delivered
within three (3) business days from date of the "valid reason" giving rise to the Revised LE, and at least four (4) business
days prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Confirmed that certain sections
of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. <u>Closing Disclosures ("CDs")</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Reviewed the CD and confirmed
(i) the correct form was used; (ii) all sections of the CD are completed; and (iii) the CD accurately reflected the information provided
to MaxDiligence.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. If a subsequent CD is issued,
confirmed (i) that there was a valid reason for the change; (ii) that the CD was issued within three (3) days of the change; and (iii)
whether the reason for the change requires a new 3-day waiting period prior to the consummation date.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirmed initial CD, and any
subsequent CD with material changes (i.e. changes that require a new waiting period), was received at least three (3) business days prior
to the consummation date. With respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of
explanation, as well as a refund as applicable, was delivered or placed in the mail no later than sixty (60) days after discovery of the
exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that
a corrected CD was delivered or placed in the mail no later than sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. <u>Federal Truth in Lending Act</u> ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right
of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right
of rescission notice in a timely manner and to the correct consumer(s);

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct
form of right of rescission notice;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation
on a rescindable loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage
rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compared
the fees disclosed in the final binding LE to those in the final CD, and confirmed that final CD fees are within the permitted tolerances.
Confirmed the total of payments are considered accurate as defined by Regulation Z. Confirmed finance charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>.
Reviewed the file to determine (i) whether there is evidence that certain changes or errors (per the regulation) were discovered subsequent
to closing, (ii) and whether the Loan originator followed the prescribed cure. Test for evidence such as a copy of the refund check, or
a corrected, post-consummation CD (" <u>PCCD</u> "), and (iii) with respect to applicable exception remediation measures for
numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no
later than sixty (60) days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation
measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than sixty (60) days after consummation.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirmed Your Home Loan Toolkit
was delivered or placed in the mail not later than three (3) business days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure
requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage
loans, the Prohibitions and Restrictions related to Loan Originator Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Reviewed relevant document
to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Reviewed the presence of the
mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determined if the creditor
financed, directly or indirectly, any premiums or fees for credit insurance in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verified the data against the
NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirmed the presence of the
Servicing Disclosure Statement form in the mortgage loan file;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirmed the presence of the
Your Home Loan Toolkit/Special Information Booklet in the mortgage loan file or that the mortgage loan file contains documentary evidence
that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirmed the Your Home Loan
Toolkit /Special Information Booklet was provided within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirmed the presence of the
CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirmed that the CHARM booklet
was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirmed the presence of the
Affiliated Business Arrangement Disclosure in the mortgage loan file in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirmed the Affiliated Business
Arrangement Disclosure was provided no later than three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirmed the Affiliated Business
Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirmed the presence of the
Initial Escrow Disclosure Statement in the mortgage loan file and proper timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirmed that the creditor
provided the borrower a list of homeownership counselling organizations within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit
Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002, as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right
to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy
of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing
a copy of each appraisal or other written valuation; and

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

![](maxwell.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific
late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence
did not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised
institution or servicer, extended or renewed on or after January 1, 2016, whether prohibited fees were collected prior to the initial
LE being issued

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

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

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

The Guidelines listed below were used as a benchmark with respect to credit and property reviews for grading purposes. The loans were assigned an initial grade after the initial review. The final grade was determined after additional documentations were provided to satisfy outstanding conditions. When Guideline exceptions were provided, reviewers reviewed to ensure compensating factors were also provided and documented.

- Fannie Mae

- Freddie Mac

- AD Mortgage Jumbo Blue Underwriting Guidelines

- Better Mortgage JP Morgan CIB Residential Purchase Criteria

- FIMC Debt Service Coverage Ratio (DSCR) Non-QM Final

- Northpointe Bank – Section 600 – Expanded Portfolio

- UWM Prime Jumbo Overlays

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received an Overall "A" grade.

![](maxwell.jpg)

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 2 | 100.0% |
| B | 0 | 0.0% |
| C | 0 | 0.0% |
| D | 0 | 0.0% |
| **Total** | **2** | **100.0%** |
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **2** | **100.00%** |
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **2** | **100.00%** |
| **Final Compliance Grade Summary<sup>[i]</sup>** | **Final Compliance Grade Summary<sup>[i]</sup>** | **Final Compliance Grade Summary<sup>[i]</sup>** |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

------

<sup>[i]</sup> Business Purpose Loans/Investment Properties for which a compliance review was not completed were given an "A" grade

![](maxwell.jpg)

**Exception Category Summary**

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

---

| | | |
|:---|:---|:---|
| **Exception Type** | **Exception Category** | **Total** |
| Credit | Hazard Insurance Coverage is less than all Subject Lien(s) | 1 |
| Credit | Missing Flood Insurance Policy | 1 |
|  | ***Total Credit Grade (A) Exceptions*** | ***2*** |
| Property A | Value - Value is supported within -10% of original appraisal amount | 2 |
|  | ***Total Property Grade (A) Exceptions*** | ***2*** |
| Compliance | No Compliance Tests Performed | 2 |
| Compliance | The Deed of Trust is Incomplete | 1 |
|  | ***Total Compliance Grade (A) Exceptions*** | ***3*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit and Property Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 2 Loans reviewed, 1 unique Loan (by loan count) had a total of 1 different tape discrepancies across 1 data fields (some Loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| **Field Label** | **Loans With Discrepancy** | **Total Times Compared** | **% Variance (by possible exceptions)** |
| Loan Type | 1 | 2 | 50% |

---

![](maxwell.jpg)

**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 rental 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 (desk reviews, 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, or other eligible forms based on lender/investor requirements. |
| &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, or other eligible forms based on lender/investor requirements. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.32

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.32**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| xxxxx | 304758682 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5046994 | 1 of 3 | xx/xx/xxxx | Credit | Hazard Insurance Coverage is less than all Subject Lien(s) | Hazard Insurance Coverage Amount of xxxxxis less than Total Amount of Subject Lien(s) of xxxxx Hazard coverage amount of xxxxx is less than the note amount of xxxxx. Neither evidence of guaranteed replacement cost nor Replacement Cost Estimate was provided. <br>|  | Please see attached updated EOI - 11/04/2025 <br>Could you please advise if it will be acceptable for the insurance company to add in actual cash value to the policy which will be sufficient amount of coverage on the policy or does the policy must have restoration costs? - 10/28/2025<br>| Hazard Insurance Coverage Amount of $xxxxx is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - 11/07/2025<br> Please see attached updated EOI - 11/04/2025<br> No documentation was provided to support sufficient coverage per guideline requirements. Please provide evidence of sufficient insurance coverage per guideline requirements. - 10/31/2025<br> Could you please advise if it will be acceptable for the insurance company to add in actual cash value to the policy which will be sufficient amount of coverage on the policy or does the policy must have restoration costs? - 10/28/2025 |  | 2025-11-07 19:17 | Resolved | 1 | 1 | 1 | 1 |
| xxxxx | 304758682 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5047365 | 2 of 3 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-08-04 19:25 | Cleared | 1 | 1 | 1 | 1 |
| xxxxx | 304758682 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | KY | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 5047371 | 3 of 3 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-08-04 19:25 | Cleared | 1 | 1 | 1 | 1 |
| xxxxx | 304887756 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6338531 | 1 of 4 | xx/xx/xxxx | Compliance | The Deed of Trust is Incomplete | The Deed of Trust is incomplete. Unable to locate page 23 of 23 of the Deed of Trust <br>|  | DOT all pages - 12/03/2025<br>| Received complete DOT - 12/04/2025<br>DOT all pages - 12/03/2025<br>|  | 2025-12-04 16:44 | Resolved | 4 | 1 | 4 | 1 |
| xxxxx | 304887756 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6339416 | 2 of 4 | xx/xx/xxxx | Credit | Missing Flood Insurance Policy | Unable to locate the Flood Insurance policy in the loan file. <br>|  | flood - 12/03/2025<br>| Flood Ins provided. Condition resolved. - 12/05/2025<br>flood - 12/03/2025<br>|  | 2025-12-05 16:30 | Resolved | 3 | 1 | 4 | 1 |
| xxxxx | 304887756 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6339423 | 3 of 4 | xx/xx/xxxx | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-11-21 14:51 | Cleared | 1 | 1 | 4 | 1 |
| xxxxx | 304887756 | xxxxx | xx/xx/xxxx | xxxxx | xxxxx | TX | Investment | Purchase | ATR/QM: Exempt | ATR/QM: Exempt | 6345693 | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2025-11-21 19:05 | Cleared | 1 | 1 | 4 | 1 |

---

## Exhibit 99.33

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| ![Picture](ex9933001.jpg) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Client | JPMMT 2026-NQM3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Transaction | JPMMT 2026-NQM3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| Date | 5/4/2026 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** | **Initial Loan Grade (S&P)** | **Final Loan Grade (S&P)** | **Initial Credit Grade (S&P)** | **Final Credit Grade (S&P)** | **Initial Compliance Grade (S&P)** | **Final Compliance Grade (S&P)** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Loan Grade (DBRS Morningstar)** | **Final Loan Grade (DBRS Morningstar)** | **Initial Credit Grade (DBRS Morningstar)** | **Final Credit Grade (DBRS Morningstar)** | **Initial Compliance Grade (DBRS Morningstar)** | **Final Compliance Grade (DBRS Morningstar)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Loan Grade (Fitch)** | **Final Loan Grade (Fitch)** | **Initial Credit Grade (Fitch)** | **Final Credit Grade (Fitch)** | **Initial Compliance Grade (Fitch)** | **Final Compliance Grade (Fitch)** | **Initial Valuation Grade (Fitch)** | **Final Valuation Grade (Fitch)** | **Initial Loan Grade (Kroll)** | **Final Loan Grade (Kroll)** | **Initial Credit Grade (Kroll)** | **Final Credit Grade (Kroll)** | **Initial Compliance Grade (Kroll)** | **Final Compliance Grade (Kroll)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Loan Grade (Moody's)** | **Final Loan Grade (Moody's)** | **Initial Credit Grade (Moody's)** | **Final Credit Grade (Moody's)** | **Initial Compliance Grade (Moody's)** | **Final Compliance Grade (Moody's)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| xxxxx | 304758682 |  | xx/xx/xxxx | xxxxx | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |
| xxxxx | 304887756 |  | xx/xx/xxxx | xxxxx | 4 | 1 | 3 | 1 | 4 | 1 | 1 | 1 | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A | D | A | C | A | D | A | A | A |

---

## Exhibit 99.34

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.34**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxxxx | xxxxx | 304758682 | xx/xx/xxxx | xxxxx |  | 0 | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 75.0 | 75.0 | xxxxx | xxxxx | xxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | xxxxx | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | 07-14-2025 |
| xxxxx | xxxxx | 304887756 | xx/xx/xxxx | xxxxx | xxxxx | 0 | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 80.0 | 80.0 | xxxxx | xxxxx | xxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | xxxxx | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | 11-04-2025 |

---

## Exhibit 99.35

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.35**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxxxx | xxxxx | 304758682 | xxxxx | Loan Type | xxxxx | xxxxx | xxxxx | xxxxx |

---

## Exhibit 99.36

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.36**

![A picture containing text, clipart Description automatically generated](ex9936_001.jpg)

JPMMT 2026-NQM3<br>JPMorgan<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Opus Capital Markets Consultants, LLC<br>

5718 Westheimer Road – Suite 1000 \| Houston, TX 77057 \| www.opuscmc.com \| 224.632.1300

Narrative JPMMT 2026-NQM3

**Executive Narrative**

**May 4, 2026**

**Performed by** 

**Opus Capital Markets Consultants, LLC**

**For** 

**JPMorgan** 

The report summarizes the results of a due diligence review performed on a pool of three hundred twenty-eight (328) loans, of which were purchased by JPMorgan Chase Bank, National Association, as successor by merger to J.P. Morgan Mortgage Acquisition Corp. ("Customer") from an originator (the "Originator") who is a client of Opus Capital Markets Consultants, LLC ("Consultant") under a reliance letter, and for which the Originator provided Consultant with a data tape, from which, in each case, 100% of the loan population was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed credit and compliance review of all loans.

As detailed herein, the pool contains three hundred twenty-eight (328) credit and compliance loans identified as sixteen (16) QM: Safe Harbor APOR (APOR SH) loans, eleven (11) Non-QM: Lender documented all ATR UW Factors loans, six (6) ATR/QM: CDFI Lender Exempt, and two hundred ninety-five (295) ATR/QM: Exempt loans, of which two hundred ninety-two (292) are DSCR loans and three (3) are Business Purpose loans. There are six (6) loans eligible for GSE delivery, each were underwritten to the AUS provided in the loan file and were re-underwritten in accordance with the lender guidelines. The remaining three hundred twenty-two (322) loans were re-underwritten in accordance with the lender guidelines described herein.

**Credit Review**

**Credit Qualification**

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

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

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and asset verifications pursuant
to Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as used by the original loan underwriter
at origination to determine compliance with the Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client-provided underwriting guideline requirements
for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by the loan underwriter at origination
to determine compliance with Client-provided underwriting guidelines and regulatory requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value ratio were accurate at origination
and meet Client-provided underwriting guideline and regulatory requirements.

Narrative JPMMT 2026-NQM3

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate credit depth to comply with the
Client-provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client-provided underwriting guidelines are documented and reasonable.

**Document Review**

**Document Review**<br>

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

**a) Collateral Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Title Commitment / Policy: Verify the presence of the title commitment or
final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

&nbsp;&nbsp;&nbsp;&nbsp;· Mortgage Note / Security Instrument: Verify the presence of the mortgage
note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement
are present and duly executed.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Conveyance Deed: Verify as applicable that a proper conveyance deed is present
in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.<br>

**b) Closing Docs**

&nbsp;&nbsp;&nbsp;&nbsp;· Final Hud-1 Settlement Statement: If required, verify the presence of a
final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Notice of Right to Cancel: If required based on the specifics of the loan
transaction, confirm the presence and required execution of the Notice of Right to Cancel.

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

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

**c) Credit Docs<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

Narrative JPMMT 2026-NQM3

&nbsp;&nbsp;&nbsp;&nbsp;· Underwriting Worksheet: Verify the presence of the relative underwriting
worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable per the Client-provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on
the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

&nbsp;&nbsp;&nbsp;&nbsp;· Letters of Explanation: When Letters of Explanation are required by the
Client-provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Gift Letters: When Gift Letters are required by the Client-provided underwriting
guidelines, verify the presence of any such letters exist in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Income Documentation: Verify the presence of income and employment related
documentation required by the Client-provided underwriting guidelines for all borrowing parties contributing income to the debt ratio
calculation.

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client-provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal
and other third party valuation tools to satisfy the minimum required documentation under the relative Client-provided underwriting guidelines.

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

**Regulatory Compliance**

For each applicable Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The "material"1
disclosure requirements of the federal Truth-in-Lending Act ("TILA"), as amended by the Home Ownership and Equity Protection
Act ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented by Regulation Z, 12 C.F.R. Part 1026, including
the material provisions relating to Higher-Priced Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure
provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented by Regulation Z, 12 C.F.R. §§ 1026.17
et seq; and as amended by the TILA-RESPA Integrated Disclosure ("TRID") Rule, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A review of the Notice of Right to Cancel, including a verification of the
transaction date and expiration date, ensuring proper execution of the Notice of Right to Cancel by all required parties, verifying the
disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This review is also to be performed on transactions that are exempt from
the rescission requirement but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A condition must be placed if the transaction is a refinance by the original
creditor and the borrower was provided the Form H-8 rescission notice. Consultant will note in the condition whether there was a new advance
that is subject to rescission per TILA/Regulation Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial TIL disclosure and final TIL disclosures were provided.

------

<sup>1</sup> These "material" disclosures include, but are not limited to, the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

Narrative JPMMT 2026-NQM3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review and compare the initial and final TIL, and any re-disclosed TIL(s),
with a report outlining any TILA violations, including a recalculation of disclosed finance charge, proper execution by all required parties,
principal and interest calculations, proper completion of the interest rate and payment summary, recalculation of disclosed APR, and a
review to determine disclosure differences were within the allowed tolerances and disclosures were provided within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the initial Loan Estimate (LE) was delivered within three (3) business
days of application and

seven (7) business days prior to consummation in accordance with Client's Underwriting Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review the required sections of each LE to ensure they were populated in accordance with the TRID

Rules. If the file reflects more than one LE was provided, each revised LE must have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance evaluations was based on the fee amounts disclosed on the initial LE and any valid changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm the Closing Disclosure (CD) confirm the borrower received the initial CD at least three (3)

business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review the required sections of each CD to ensure they were populated in
accordance with the TRID

Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan consummation.)

2. Section 4 of the Real Estate Settlement Procedures Act
("RESPA"), 12 U.S.C. §2603 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the TRID
Rule;

3. The disclosure requirements and prohibitions of Section
50(a)(6), Article XVI of the Texas Constitution;

4. Confirmation that one of the following are in the loan
file, per the Fair Credit Reporting Act: Consumer Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
to Home Loan Applicant;

5. Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform
and Consumer Protection Act ("Dodd-Frank") amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages (12 C.F.R. 1026.43(d)); Qualified Mortgages
(12 C.F.R. 1026.43(e)) (including qualified mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and
203 et seq.) and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.)); and Balloon-payment qualified mortgages made by certain
creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to Repay and Qualified Mortgage Review" description below;

6. The Loan Originator Compensation and Prohibitions on Steering
provisions of TILA, as implemented by Regulation Z, 12 C.F.R 1026.36;

7. The requirements for Higher-Price Mortgage Loans, as implemented
by Regulation Z, 12 C.F.R. 1026.35; <br>

8. The appraisal and valuation requirements of TILA and the
Equal Credit Opportunity Act, as implemented by Regulation Z, 12 C.F.R. 1026.35 and Regulation B, 12 C.F.R. 1002.14, respectively;

9. The counseling requirements of TILA, as implemented by
Regulation Z, 12 C.F.R. 1026.36(k) and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

10. The escrow requirements of TILA and RESPA, as implemented
by Regulation Z, 12 C.F.R 1026.35, and Regulation X, 12 C.F.R 1024.17, respectively;

11. The disclosure requirements and prohibitions of any applicable
state, county and municipal laws and ordinances, as amended, that have been enacted to regulate so-called "predatory lending";

12. Consultant shall confirm that any mortgage property located
in an area identified on a flood hazard map or flood insurance rate map issued by the Federal Emergency Management Agency as having special
flood hazards is subject to a qualified flood insurance policy that appears to be is in effect;

13. For any loans designated as TILA exemption, Consultant
shall review the loan file for evidence that the primary purpose of the loan was for commercial or business purposes, including, but not
limited to a business purpose certification; and

14. Documentation. Review of the following documents for regulatory
compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final HUD-1 Settlement Statement ("HUD-1"),
if applicable

Narrative JPMMT 2026-NQM3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If the loan is in an escrow state, the HUD-1 was considered
final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If HUD-1 is not marked Final, it must be stamped certified
by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There should be no markings indicating that the HUD-1 is
estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1 is signed by all parties (including closing agent)
or stamped certified by the closing agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If HUD-1 is stamped, the HUD-1 / stamp should be signed
or initialed by the closing agent; if the stamp does not contain the signature or initials, it must identify the name of the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final Truth in Lending Disclosure ("TIL"),
if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Loan Estimate in was considered delivered based on
the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt. The loan file
may contain one or more Loan Estimates with the latest one provided up until three business days prior to the issuance of an initial Closing
Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The Closing Disclosure in the loan file was considered
delivered based on the date issued, subject to the three-day mailing rule unless the file contains documentation indicating earlier receipt.
The loan file may contain one or more Closing Disclosures with the latest one provided up until the consummation date being considered
the Final with any delivered post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third party fees on the HUD-1 or Closing Disclosure if
applicable referred to as HUD-1/Closing Disclosure, must be shown as paid to the third-party provider. A condition must be set if a third-party
fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT will condition for evidence in the file indicating
that a charge on the HUD-1/Closing Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the face of the
document showing an amount less than the charge on the HUD-1/Closing Disclosure). Variations of less than $1 are deemed to be within reasonable
limits and are not to be reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any refunds that are provided to the borrower must be accompanied
by a revised HUD-1/Closing Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed was assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant
reviews applicable loans for compliance with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43
et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable Presumption QM, Exempt). Consultant determines the loan's
status under the QM rule requirements and assigns a due diligence loan designation. Consultant notes as a material exception if the due
diligence findings do not confirm the same loan designation. Additionally, Consultant notes if a loan designation was not provided. Consultant
will verify if each loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan is a safe harbor QM under §
1026.43(e)(1)(i) or a rebuttable presumption QM under § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for
lender determination of QM and indicating factors in its ability-to-repay determination, including how the originator applied its policies
and procedures in verification. For loans applications taken on or after June 1, 2021, Consultant will verify whether the loan meets the
requirements of the revised general QM definition effective March 1, 2021.

Narrative JPMMT 2026-NQM3

2. For loans for which applications were received prior to
July 1, 2021, if a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency
as permitted under the QM final rule, Consultant reviews the loan to determine whether, based on available information in the loan file
the loan satisfied (i), (ii) and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System output within the
file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance with the Ability to Repay (ATR) but
not Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan
to determine whether, based on available information in the loan file: (i) the loan contains risky loan features and terms (e.g. an interest
only feature or negative amortization), (ii) the "points and fees" exceed the applicable QM threshold, (iii) the monthly payment
was calculated appropriately. Consultant reviews to the applicable consider and verify requirements under the QM rule depending on whether
the QM was originated under the original general QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For each QM designated loan that satisfied the applicable requirements enumerated above, Consultant then determines whether the loan
is a Safe Harbor QM or Higher Priced QM by comparing the loan's actual annual percentage rate, as recalculated, to the applicable
average prime offer rate plus a certain percentage. For QM designated loans originated under the revised general QM definition effective
March 1, 2021, Consultant also determines whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The ability to repay portion of the review for non-agency eligible loans
only will focus on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible loans. The Consultant will review
the loan file to determine if the creditor verified and considered each of the eight factors utilizing reasonably reliable third-party
documentation at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current or reasonably expected income or assets that the
consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly mortgage payment for subject loan using the introductory
or fully indexed rate, whichever is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly payment on any simultaneous loans secured by the
subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly payments for property taxes and hazard/flood insurance
and certain other costs related to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts, alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For loans designated as agency eligible, Consultant will not review for compliance with the requirements of Appendix Q or General
Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant reviews loans to determine their conformity with the ATR/QM factors above and is not rendering an independent assessment
or analysis. Consultant's review is based on information contained in the loan file at the time it is provided to Consultant, and
only reflects information as of that point in time and does not mean any regulator, judicial or agency will agree with the Consultant's
conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer<br>** 

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

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

Narrative JPMMT 2026-NQM3

other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning and Certain Compliance Exceptions<br>** 

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Affiliated Business Disclosure

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Initial Escrow Disclosure Statement

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

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

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

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

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

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

**Fair Credit Report Act (Regulation V)**

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

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

**High-Cost, State & Local Anti-Predatory Regulations** **<br>** 

<br> In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.<br>

&nbsp;&nbsp;&nbsp;&nbsp;· Arkansas Home Loan Protection Act, Ark. Stat. Ann. § 23-53-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Colorado Consumer Equity Protection Act, Colo, Rev. Stat. § 5-3.5-101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a-
746 et seq., as amended from time to time .

&nbsp;&nbsp;&nbsp;&nbsp;· Connecticut Nonprime Home Loans Statute, C o nn.
Gen. Stat. §§ 36a-7 6 0 et seq. (as originally enacted and as amended by Senate Bill
949).

&nbsp;&nbsp;&nbsp;&nbsp;· District of Columbia H o me Loan
Protection Act, D.C. Official Code § 26-1151.01 et seq., as implemented by 20 D.C. Municipal Reg § 2000.1 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Florida Fair Lending Act, Fla. Stat. Ann. § 494.00 7 8
et seq. (for loans closed before July 1, 2014).

&nbsp;&nbsp;&nbsp;&nbsp;· ![](ex9936_001.gif) Georgia
Fair Lending Act, Ga. Stat. Ann. § 7-6A-1 et seq. (as originally enacted b y House Bill
02-1361 and as modified by Senate Bill 03-53).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Regulations, 38 Ill. Admin. Code §345.10
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at
815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

&nbsp;&nbsp;&nbsp;&nbsp;· I llinois
Predatory Lending Database Program, Public Act 95-0691 (SB 1167).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County , I llinois,
Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

&nbsp;&nbsp;&nbsp;&nbsp;· Cook County , I llinois,
Anti-Predatory Lending Pilot Program, I llinois Ho u se
Bill 4050 (2005).

&nbsp;&nbsp;&nbsp;&nbsp;· Indiana Home Loan Practices Act, as amended by HB 1179 (2005), Ind. Code
§ ![](ex9936_002.gif) 24-9-1
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 16a-3-308a of the Kansas Consumer Credit Code, Kan. Stat. Ann. §16a.101
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et
seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages
(for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative
Documents 1869 (2007), 2125 (2008) and 1439 (2009).

&nbsp;&nbsp;&nbsp;&nbsp;· Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after
September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1;
12-127; 12- 409.1; 12-1029.

&nbsp;&nbsp;&nbsp;&nbsp;· Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under
the Maryland Mortgage Lender Law, Md. Code Ann., Fin. I nstit. Code §§ 11-501 ![](ex9936_003.gif) ![](ex9936_003.gif) ![](ex9936_004.gif) et
seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts High - Cost Mortgage
Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Predatory Home Loan Practices Act, M.G.L. Chapter 183C, §§
1 et ![](ex9936_004.gif) seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts "Borrower's I nterest"
Standard, M.G.L. Chapter 183, §28C.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800
(15-17).

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&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§
32.00 et.seq., as amended from time to time.

&nbsp;&nbsp;&nbsp;&nbsp;· Massachusetts Subprime ARMs to First Time Homebuyers, M.G.L. Chapter 184,
§17B.5.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et
seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

&nbsp;&nbsp;&nbsp;&nbsp;· Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended
by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· New Jersey Home Ownership Security Act of 2002, NJ Stat. Ann. § C:46: 1 0B-22

&nbsp;&nbsp;&nbsp;&nbsp;· New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003),
codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

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

&nbsp;&nbsp;&nbsp;&nbsp;· New York High-Cost Home Loan Act, N.Y. Bank.
L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from tim e to time.

&nbsp;&nbsp;&nbsp;&nbsp;· New York Subprime Home Loans Statute, NY Bank. Law § 6-m.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 18 5 (2006), and as codified in various sections of the Ohio Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as

&nbsp;&nbsp;&nbsp;&nbsp;· City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, Ordinance ![](ex9936_005.gif) ![](ex9936_001.gif) No.
72-2003 (PSH), Mun. Code §§ 757.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Summit County, Ohio, Anti-Predatory Lending Ordinance, Ordinance No. 2004- ![](ex9936_003.gif) ![](ex9936_004.gif) 618,
Muni. Code §§ 201.01 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified
in various sections of Title 14A of the Oklahoma Consumer Credit Code.

&nbsp;&nbsp;&nbsp;&nbsp;· Oklahoma Higher-Priced Mortgage Loans Law, Okla. Admin. Code §§
160:45-9- ![](ex9936_003.gif) 1
et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Pennsylvania Consumer Equity Protection Act, 63 Pa. Cons. Stat. Ann. §
456.501 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· ![](ex9936_003.gif) Rhode
Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq., as implemented by Emergency Banking Regulation 3 (2006) and Final Banking
Regulation 3 (2007) and amended by Senate Bill 371 (2007).

&nbsp;&nbsp;&nbsp;&nbsp;· City of Providence, Rhode Island, Anti-Predatory Lending Ordinance, Chapter
2006-33, Ordinance No. 245.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified
at Tenn. Code Ann. §§ 45-20-101 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· ![](ex9936_004.gif) Texas
High-Cost Home Loan Statute, Tx. Fin. Code Ann. § 343.201 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(a)(6), Article XVI of the Texas Constitution

&nbsp;&nbsp;&nbsp;&nbsp;· Section 50(f)(2), Article XVI of the Texas Constitution

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Vermont I nterest Act, 9 V.S.A.
§ 104, implemented by Regulation B-98-2.

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

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Mortgage Lender and Broker Act (for loans originated on or after
October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to
time.

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&nbsp;&nbsp;&nbsp;&nbsp;· Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

&nbsp;&nbsp;&nbsp;&nbsp;· West Virginia Residential Mortgage Lender, Broker and Servicer
Act, W.Va. Code § 31-17 et seq.

&nbsp;&nbsp;&nbsp;&nbsp;· Wisconsin Responsible High - Cost
Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DF I -Bkg
46.01 et seq.

**Flood Insurance Testing**

**National Flood Insurance Program (NFIP)**

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

**Homeowner's Flood Affordability Act (HFIAA)**

Each mortgage loan made by an FDIC-supervised institution or servicer acting on its behalf shall require the escrow of all premiums and fess for flood insurance for any designated loan secured by residential improved real estate or a mobile home, made, increased, extended or renewed on or after January 1, 2016.

Frequency – Payable with same frequency as payments designated for the loans

Exceptions

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Meets requirements

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

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

**Misrepresentation and Third-Party Review** **<br>** 

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

1) Misrepresentation Review and Valuation Review

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Alerts: Assess credit report alerts for accuracy and potential issues.

&nbsp;&nbsp;&nbsp;&nbsp;· Social Security Numbers: Compare SSN(s) across all file documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Document Integrity: Review for apparent alterations to loan documents. To
the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;· Data Consistency: Review the documents contained in the loan file for consistency
of data.

&nbsp;&nbsp;&nbsp;&nbsp;· Third Party Fraud Tools: To the extent a third party fraud tool is contained
in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.<br>

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**Independent Third-Party Values**

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

&nbsp;&nbsp;&nbsp;&nbsp;· Property is complete

&nbsp;&nbsp;&nbsp;&nbsp;· Value is based on as-is condition or provides satisfactory completion of
all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued
with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made
or obtained from the appropriate authorities

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

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent appraiser independence violation statements

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal addresses any adverse comments

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal is completed on appropriate GSE Forms

&nbsp;&nbsp;&nbsp;&nbsp;· Appraisal contains required attachments

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

 ****

 ****

***Valuation Waterfall and Products***

**<u>Agency Eligible Loan Programs</u>**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All PIW loans: AVM

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If AVM <90% of origination value: BPO

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. If BPO <90% of origination value: Stip for Seller to order Field Review/2055 or Appraisal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If FHLMC Rep &Warrant Relief NOT Eligible for FNMA CU >2.5

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. All: Desk Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. If Desk Review < 90% of origination value: Stip for Seller to order a Filed Review/2055 of second appraisal.

**<u>Jumbo Loan Programs</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If only 1 appraisal and no desk review: Stip for Seller to order a Desk
Review (w/value conclusion)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If guidelines required 2 appraisals, but only 1 appraisal provided; Stip
for Seller to order second appraisal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· If desk review indicated a value lower than the appraisal; Stip for Seller
to order BPO and value reconciliation.

**<u>Seasoned Loan Updated</u>**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) **Updated AVM:** An Automated Valuation Model ("AVM") was ordered on each property. If the resulting value of the AVM
is in aggregate less than 90% of the value reflected on the original appraisal, or if no results are returned, an Appraisal Desk Review
was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) **Appraisal Desk Review:** If the resulting value for the PVO is less than 90% of the value reflected on the original appraisal,
or if no results are returned, a Broker Price Opinion (BPO) was ordered on the property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) **BPO:** If the resulting value of the BPO is less than 90%of the value reflected on the original appraisal, an appraisal field
review may be ordered on the property

The criteria set forth in this section titled "Valuation Waterfall and Products": are subject to change by RMC at any time.

Value Review Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;· The individuals performing the above procedures are not person providing
valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as
appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or
Federal or State law.

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

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

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

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal in a property located in an area that is designated as IA (Individual Assistance) or IH (Individual and Household Assistance), Consultant will review the file to determine if an exterior inspection to ensure:

&nbsp;&nbsp;&nbsp;&nbsp;· No apparent damage to the property

&nbsp;&nbsp;&nbsp;&nbsp;· Property appears to be occupied

Narrative JPMMT 2026-NQM3

**Data Compare** **<br>** 

<br> Client will provide a data tape with the following data fields and Consultant will compare the field to the applicable source document and report any variance<br>

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Appraised Value

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Only

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Interest Rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Term

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Purpose

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Original Balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property City

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property State

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Sales Price

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Second Mortgage Lien Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Self Employed

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Zip Code

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Loan Type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· QM Status

**Rating Agency Grading Criteria** **<br>** 

<br> **Fitch Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Fitch in their current industry publications as updated from time to time.<br>

**Moody's Investor Services Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Moody's in their current industry publications as updated from time to time.<br>

**Kroll Bond Rating Agency LLC Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Kroll in their current industry publications as updated from time to time.<br>

**S&P Global Ratings Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by Standard & Poor's in their current industry publications and updated from time to time.<br>

**DBRS Morningstar Grading Criteria**

Grading shall be provided for each exception, each exception category and holistically for each loan. The methodology for the application of the RMBS grading as defined by DBRS in their current industry publications and updated from time to time.

Narrative JPMMT 2026-NQM3

**Opus Grading Criteria** **<br>** 

<br> 1) Opus Grading Criteria

Grading shall be provided for each exception, each exception category and holistically for each loan. The following grading is not intended for securitization reviews, and Opus will not issue a Rating Agency Narrative, Reliance or Form ABS Due Diligence 15-E if Client elects to utilize the following grading criteria. The methodology for the application of grading is defined by Opus and updated from time to time shall be determined as follows:<br>

**Opus Credit Grades<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Credit Grade Definition: Loan was originated in accordance with
the mortgage loan originator underwriting guidelines without exception.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Credit Grade Definition: Loan was originated in substantial compliance
with the originator's underwriting guidelines and there are sufficient compensating factors for any exceptions.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Credit Grade Definition: Loan was not originated in substantial
compliance with the originator's underwriting guidelines and there are insufficient compensating factors for the exceptions or is
missing material documentation.<br>

**Opus Property Grades<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Property Grade Definition: Property value appears to be within 10%
of original appraised amount and there are no material deficiencies in the appraisal process.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Property Grade Definition: Property value appears to be within 10%
of original appraised amount, but minor issues in the appraisal process were identified.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Property Grade Definition: Property value does not appear to fall
within 10% of the original appraised value and/or material deficiencies exist with respect to the appraisal process or the file is missing
material documentation.<br>

**Opus Compliance Grades**<br>

&nbsp;&nbsp;&nbsp;&nbsp;· Level 1 Compliance Grade Definition: Loan complies with all applicable laws
and regulations reviewed under the applicable scope of work.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 2 Compliance Grade Definition: There are minor issues regarding legal
and/or regulatory compliance but such issues do not represent risks to the enforceability of the borrower's obligation under the
loan documents and will not result in assignee liability to the investor.

&nbsp;&nbsp;&nbsp;&nbsp;· Level 3 Compliance Grade Definition: Loan is not in compliance with laws
and regulations reviewed under the applicable scope of work or the loan is missing material documentation.

**REDACTED INFORMATION** **<br>** 

<br> &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Borrower Name

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Co-Borrower Name

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Property Address, City, County, MSA, Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Mailing Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Number, including Originator and Servicer Loan Number

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Origination Date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Names of Borrowers or any other Individuals

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Company and Entity Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Financial Institution Names

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Job Position Titles

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Address

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any Location Information (other than state), including City, County, MSA
and Zip

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Account Numbers of any type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Claim Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Insurance Policy Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Foreclosure Action dates and Case Numbers

Narrative JPMMT 2026-NQM3

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Bankruptcy Action dates and Case Numbers

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Any reference that would allow the identification of the location of a property
(e.g. neighborhood, body of water, schools, major highways)

**DSCR Loan Review**

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

**Borrower Underwriting:**

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrower Liquidity:** Review and confirm borrower's liquidity
position adheres to Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Credit / Background Check:** Review and confirm each guarantor and/or
owner of the borrowing entity requirements meet Underwriting Guidelines, including OFAC.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property management questionnaire:** Review the questionnaire to confirm
management experience meets Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Borrowing Entity:** Confirm the entity is in good standing and duly
formed (if applicable documents are in the file). Verify the individual signing on behalf of the organization has the authority to bind
the entity (if applicable documents are in the file).

&nbsp;&nbsp;&nbsp;&nbsp;· **Loan-to-Value (LTV)/Loan-to-Cost (LTC) Limits:** Confirm the LTV/LTC
meets Underwriting Guidelines per Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Permitted Loan Terms:** Confirm the loan terms are eligible per the
Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Requirements and Market Requirements:** Confirm the loan Property
and Market Requirements are eligible per the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **DSCR—ensure components of Debt Service Coverage Ratio are identified correctly:** Recalculation of DSCR

**Title Insurance Requirements are met per Guidelines only as follows**

Confirm Loss payee language must be present and required insurance policies and coverage amounts meet the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Condominium Eligibility:** Confirm Condo Master Policy is present and
meets the Underwriting Guidelines

&nbsp;&nbsp;&nbsp;&nbsp;· **Property Insurance:** Confirm each mortgaged property has a policy
in place and proper coverage amount in adherence to the Underwriting Guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· **Preliminary/Commitment Title:** Review and confirm first lien holder
position, validate no loan file discrepancies, delinquent taxes, and/or additional liens at time of consummation.

**Credit Document Check**

 

&nbsp;&nbsp;&nbsp;&nbsp;· Loan Application: Verify the presence and completeness of both the initial
and final loan applications.

&nbsp;&nbsp;&nbsp;&nbsp;· Credit Report: Verify the presence of a credit report for each borrower.
Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;· Housing Payment History: In the absence of housing payment histories on
the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;· Asset Documentation: Verify the presence of asset documentation required
by the Client provided underwriting guidelines in the loan file.

&nbsp;&nbsp;&nbsp;&nbsp;· Property Valuation Tools: Verify that each loan file contains adequate appraisal
and other third party valuation tools to satisfy the minimum required documentation
under the relative Client provided underwriting guidelines.

Narrative JPMMT 2026-NQM3

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

**Compliance**

&nbsp;&nbsp;&nbsp;&nbsp;· No compliance testing for the DSCR review.

Narrative JPMMT 2026-NQM3

**<u>Pool Details</u>**

![](ex9936_006.gif)

![](ex36-01.jpg)

Narrative JPMMT 2026-NQM3

**<u>Tape Discrepancies</u>**

![](ex9936_008.gif)

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were twenty-one (21) obligors with multiple loans in the pool.

**Property Inspection Waivers**: One (1) loan contained a Property Inspection Waiver (PIW). An AVM was obtained as a secondary product to confirm the value indicated on the PIW. An initial property value grade of a "C" was assigned to the PIW loan. If the secondary product supported the value indicated on the PIW, a final property grade of a "B" was assigned.

**<u>Loan Grading Definitions</u>**

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

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

Narrative JPMMT 2026-NQM3

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

Narrative JPMMT 2026-NQM3

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's initial and final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated May 4, 2026.

![](ex9936_009.gif)

Narrative JPMMT 2026-NQM3

**<u>Loans Reviewed (328)</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;305054677 | &nbsp;&nbsp;305051372 | &nbsp;&nbsp;305047089 | &nbsp;&nbsp;305046134 | &nbsp;&nbsp;305026500 | &nbsp;&nbsp;305061085 | &nbsp;&nbsp;305057549 |
| &nbsp;&nbsp;305054924 | &nbsp;&nbsp;305051371 | &nbsp;&nbsp;305046000 | &nbsp;&nbsp;305043004 | &nbsp;&nbsp;305039415 | &nbsp;&nbsp;305061077 | &nbsp;&nbsp;305057548 |
| &nbsp;&nbsp;305074629 | &nbsp;&nbsp;305038998 | &nbsp;&nbsp;305045971 | &nbsp;&nbsp;305038739 | &nbsp;&nbsp;305034452 | &nbsp;&nbsp;305057863 | &nbsp;&nbsp;305057546 |
| &nbsp;&nbsp;305045967 | &nbsp;&nbsp;305029082 | &nbsp;&nbsp;305042043 | &nbsp;&nbsp;305036830 | &nbsp;&nbsp;305029093 | &nbsp;&nbsp;305057528 | &nbsp;&nbsp;305057544 |
| &nbsp;&nbsp;305056905 | &nbsp;&nbsp;304869322 | &nbsp;&nbsp;305034611 | &nbsp;&nbsp;305030327 | &nbsp;&nbsp;305024430 | &nbsp;&nbsp;305056845 | &nbsp;&nbsp;305053750 |
| &nbsp;&nbsp;304898965 | &nbsp;&nbsp;304898968 | &nbsp;&nbsp;304848988 | &nbsp;&nbsp;305042288 | &nbsp;&nbsp;305024311 | &nbsp;&nbsp;305053415 | &nbsp;&nbsp;305053430 |
| &nbsp;&nbsp;304898050 | &nbsp;&nbsp;305029691 | &nbsp;&nbsp;305039403 | &nbsp;&nbsp;305042287 | &nbsp;&nbsp;304898985 | &nbsp;&nbsp;305051380 | &nbsp;&nbsp;305051449 |
| &nbsp;&nbsp;305051151 | &nbsp;&nbsp;305029270 | &nbsp;&nbsp;304899076 | &nbsp;&nbsp;305037881 | &nbsp;&nbsp;304889827 | &nbsp;&nbsp;305047909 | &nbsp;&nbsp;305047868 |
| &nbsp;&nbsp;305042048 | &nbsp;&nbsp;305027332 | &nbsp;&nbsp;304909733 | &nbsp;&nbsp;304891144 | &nbsp;&nbsp;305029135 | &nbsp;&nbsp;305046014 | &nbsp;&nbsp;305038776 |
| &nbsp;&nbsp;305055885 | &nbsp;&nbsp;305026599 | &nbsp;&nbsp;304902324 | &nbsp;&nbsp;305078467 | &nbsp;&nbsp;305024787 | &nbsp;&nbsp;305032482 | &nbsp;&nbsp;305037871 |
| &nbsp;&nbsp;305064038 | &nbsp;&nbsp;304897423 | &nbsp;&nbsp;305038535 | &nbsp;&nbsp;305073506 | &nbsp;&nbsp;305013582 | &nbsp;&nbsp;305031449 | &nbsp;&nbsp;305043808 |
| &nbsp;&nbsp;304911580 | &nbsp;&nbsp;304889341 | &nbsp;&nbsp;305033638 | &nbsp;&nbsp;305070039 | &nbsp;&nbsp;305013581 | &nbsp;&nbsp;305030647 | &nbsp;&nbsp;305030283 |
| &nbsp;&nbsp;304904430 | &nbsp;&nbsp;305057968 | &nbsp;&nbsp;305029169 | &nbsp;&nbsp;305069724 | &nbsp;&nbsp;305013280 | &nbsp;&nbsp;305039425 | &nbsp;&nbsp;305030199 |
| &nbsp;&nbsp;305060823 | &nbsp;&nbsp;305059682 | &nbsp;&nbsp;305027360 | &nbsp;&nbsp;305069076 | &nbsp;&nbsp;304909033 | &nbsp;&nbsp;305060739 | &nbsp;&nbsp;305030148 |
| &nbsp;&nbsp;305042279 | &nbsp;&nbsp;305057848 | &nbsp;&nbsp;305027154 | &nbsp;&nbsp;305067563 | &nbsp;&nbsp;304898973 | &nbsp;&nbsp;305056664 | &nbsp;&nbsp;305029924 |
| &nbsp;&nbsp;305057777 | &nbsp;&nbsp;305057523 | &nbsp;&nbsp;305027037 | &nbsp;&nbsp;305065474 | &nbsp;&nbsp;304898181 | &nbsp;&nbsp;305053764 | &nbsp;&nbsp;305029906 |
| &nbsp;&nbsp;305056847 | &nbsp;&nbsp;305042644 | &nbsp;&nbsp;305026598 | &nbsp;&nbsp;305064135 | &nbsp;&nbsp;304897422 | &nbsp;&nbsp;305053606 | &nbsp;&nbsp;304904452 |
| &nbsp;&nbsp;304874817 | &nbsp;&nbsp;305067560 | &nbsp;&nbsp;305026595 | &nbsp;&nbsp;305057680 | &nbsp;&nbsp;304889879 | &nbsp;&nbsp;305050070 | &nbsp;&nbsp;305030274 |
| &nbsp;&nbsp;305070043 | &nbsp;&nbsp;305064145 | &nbsp;&nbsp;305023784 | &nbsp;&nbsp;305056347 | &nbsp;&nbsp;305035589 | &nbsp;&nbsp;305030356 | &nbsp;&nbsp;305029916 |
| &nbsp;&nbsp;305065536 | &nbsp;&nbsp;305059689 | &nbsp;&nbsp;305013360 | &nbsp;&nbsp;305037870 | &nbsp;&nbsp;305033672 | &nbsp;&nbsp;305030331 | &nbsp;&nbsp;305036269 |
| &nbsp;&nbsp;305060668 | &nbsp;&nbsp;305056849 | &nbsp;&nbsp;304908705 | &nbsp;&nbsp;305034535 | &nbsp;&nbsp;305031688 | &nbsp;&nbsp;305030106 | &nbsp;&nbsp;305060718 |
| &nbsp;&nbsp;305054831 | &nbsp;&nbsp;305054929 | &nbsp;&nbsp;304904457 | &nbsp;&nbsp;305039421 | &nbsp;&nbsp;305030624 | &nbsp;&nbsp;304894708 | &nbsp;&nbsp;305053697 |
| &nbsp;&nbsp;305053427 | &nbsp;&nbsp;305032544 | &nbsp;&nbsp;304875241 | &nbsp;&nbsp;305030476 | &nbsp;&nbsp;305026441 | &nbsp;&nbsp;305030617 | &nbsp;&nbsp;305059705 |
| &nbsp;&nbsp;305051357 | &nbsp;&nbsp;305039388 | &nbsp;&nbsp;305046010 | &nbsp;&nbsp;305030441 | &nbsp;&nbsp;305024444 | &nbsp;&nbsp;305029557 | &nbsp;&nbsp;305056356 |
| &nbsp;&nbsp;305047520 | &nbsp;&nbsp;304898980 | &nbsp;&nbsp;305046006 | &nbsp;&nbsp;305030159 | &nbsp;&nbsp;304909032 | &nbsp;&nbsp;305050763 | &nbsp;&nbsp;305054990 |
| &nbsp;&nbsp;305042045 | &nbsp;&nbsp;305054651 | &nbsp;&nbsp;305064046 | &nbsp;&nbsp;305030078 | &nbsp;&nbsp;304897449 | &nbsp;&nbsp;305042296 | &nbsp;&nbsp;305054589 |
| &nbsp;&nbsp;305039392 | &nbsp;&nbsp;305076205 | &nbsp;&nbsp;305063739 | &nbsp;&nbsp;304866589 | &nbsp;&nbsp;304897077 | &nbsp;&nbsp;305029874 | &nbsp;&nbsp;305053483 |
| &nbsp;&nbsp;305027514 | &nbsp;&nbsp;305070041 | &nbsp;&nbsp;305061010 | &nbsp;&nbsp;305040473 | &nbsp;&nbsp;305047505 | &nbsp;&nbsp;305029230 | &nbsp;&nbsp;305051375 |
| &nbsp;&nbsp;304993657 | &nbsp;&nbsp;305070038 | &nbsp;&nbsp;305057938 | &nbsp;&nbsp;305037864 | &nbsp;&nbsp;305044960 | &nbsp;&nbsp;304909608 | &nbsp;&nbsp;305030935 |
| &nbsp;&nbsp;304909815 | &nbsp;&nbsp;305067561 | &nbsp;&nbsp;305057527 | &nbsp;&nbsp;304904593 | &nbsp;&nbsp;305042217 | &nbsp;&nbsp;305077120 | &nbsp;&nbsp;305027173 |
| &nbsp;&nbsp;305057522 | &nbsp;&nbsp;305066750 | &nbsp;&nbsp;305057526 | &nbsp;&nbsp;305036768 | &nbsp;&nbsp;305064143 | &nbsp;&nbsp;305076278 | &nbsp;&nbsp;305029062 |
| &nbsp;&nbsp;305047864 | &nbsp;&nbsp;305057941 | &nbsp;&nbsp;305054925 | &nbsp;&nbsp;304897601 | &nbsp;&nbsp;305064032 | &nbsp;&nbsp;305075887 | &nbsp;&nbsp;304899065 |
| &nbsp;&nbsp;305029236 | &nbsp;&nbsp;305057547 | &nbsp;&nbsp;305052323 | &nbsp;&nbsp;305061537 | &nbsp;&nbsp;305063380 | &nbsp;&nbsp;305073575 | &nbsp;&nbsp;304898971 |
| &nbsp;&nbsp;305031469 | &nbsp;&nbsp;305054682 | &nbsp;&nbsp;305047103 | &nbsp;&nbsp;305060656 | &nbsp;&nbsp;305062322 | &nbsp;&nbsp;305072092 | &nbsp;&nbsp;304867433 |
| &nbsp;&nbsp;305062313 | &nbsp;&nbsp;305051378 | &nbsp;&nbsp;305046017 | &nbsp;&nbsp;305060654 | &nbsp;&nbsp;305061538 | &nbsp;&nbsp;305071224 | &nbsp;&nbsp;305044897 |
| &nbsp;&nbsp;305061543 | &nbsp;&nbsp;305047464 | &nbsp;&nbsp;305041937 | &nbsp;&nbsp;305059748 | &nbsp;&nbsp;305060720 | &nbsp;&nbsp;305070111 | &nbsp;&nbsp;305041934 |
| &nbsp;&nbsp;305031477 | &nbsp;&nbsp;305037868 | &nbsp;&nbsp;305034674 | &nbsp;&nbsp;305057542 | &nbsp;&nbsp;305057858 | &nbsp;&nbsp;305069108 | &nbsp;&nbsp;305038716 |
| &nbsp;&nbsp;305029115 | &nbsp;&nbsp;305030401 | &nbsp;&nbsp;305044573 | &nbsp;&nbsp;305056830 | &nbsp;&nbsp;305057681 | &nbsp;&nbsp;305069093 | &nbsp;&nbsp;305038037 |
| &nbsp;&nbsp;304869291 | &nbsp;&nbsp;305030160 | &nbsp;&nbsp;305039457 | &nbsp;&nbsp;305056674 | &nbsp;&nbsp;305056362 | &nbsp;&nbsp;305067582 | &nbsp;&nbsp;305034617 |
| &nbsp;&nbsp;305030038 | &nbsp;&nbsp;305029971 | &nbsp;&nbsp;305067581 | &nbsp;&nbsp;305054985 | &nbsp;&nbsp;305056340 | &nbsp;&nbsp;305067562 | &nbsp;&nbsp;305036547 |
| &nbsp;&nbsp;305069136 | &nbsp;&nbsp;304875288 | &nbsp;&nbsp;305064047 | &nbsp;&nbsp;305054838 | &nbsp;&nbsp;305054926 | &nbsp;&nbsp;305067107 | &nbsp;&nbsp;305046015 |
| &nbsp;&nbsp;305061542 | &nbsp;&nbsp;305012671 | &nbsp;&nbsp;305057551 | &nbsp;&nbsp;305054833 | &nbsp;&nbsp;305053489 | &nbsp;&nbsp;305066752 | &nbsp;&nbsp;305037858 |
| &nbsp;&nbsp;305061014 | &nbsp;&nbsp;305025031 | &nbsp;&nbsp;305056363 | &nbsp;&nbsp;305053696 | &nbsp;&nbsp;305051873 | &nbsp;&nbsp;305066749 | &nbsp;&nbsp;305069734 |
| &nbsp;&nbsp;305057710 | &nbsp;&nbsp;305061013 | &nbsp;&nbsp;305055828 | &nbsp;&nbsp;305052638 | &nbsp;&nbsp;305051441 | &nbsp;&nbsp;305066745 | &nbsp;&nbsp;305062373 |
| &nbsp;&nbsp;305038990 | &nbsp;&nbsp;305060999 | &nbsp;&nbsp;305053432 | &nbsp;&nbsp;305050808 | &nbsp;&nbsp;305047091 | &nbsp;&nbsp;305063697 | &nbsp;&nbsp;305062317 |
| &nbsp;&nbsp;305037867 | &nbsp;&nbsp;305060663 | &nbsp;&nbsp;305050111 | &nbsp;&nbsp;305047466 | &nbsp;&nbsp;305046106 | &nbsp;&nbsp;305062330 | &nbsp;&nbsp;305061630 |
| &nbsp;&nbsp;305061193 | &nbsp;&nbsp;305060996 | &nbsp;&nbsp;305060710 | &nbsp;&nbsp;305059708 | &nbsp;&nbsp;305059700 | &nbsp;&nbsp;305057550 |  |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com

Narrative JPMMT 2026-NQM3

## Exhibit 99.37

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.37**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXXXX | XXXXXX | 304898968 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit value pulled from Note |
| XXXXXX | XXXXXX | 305030283 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| XXXXXX | XXXXXX | 305030274 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| XXXXXX |  | 305038990 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| XXXXXX |  | 305053427 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Per Note |
| XXXXXX |  | 305060718 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| XXXXXX |  | 305064047 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| XXXXXX |  | 305045967 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Per Note |
| XXXXXX | XXXXXX | 305025031 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| XXXXXX |  | 305060823 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note |
| XXXXXX |  | 305066752 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| XXXXXX |  | 305069076 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| XXXXXX |  | 304869291 | XXXXXX | Borrower 1 Last Name | notePage | XXXXXX | XXXXXX | Audit Value Pulled From Note. |
| XXXXXX | XXXXXX | 305031449 | XXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXX | XXXXXX | 305030038 | XXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXX | XXXXXX | 305027173 | XXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value based on lender qualifying requirements. |
| XXXXXX | XXXXXX | 305029916 | XXXXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXX | XXXXXX | 305031449 | XXXXXX | Borrower 2 Self-Employment Flag | employmentIncomePage | Yes | No | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305026500 | XXXXXX | Interest Only Flag | notePage | Yes | No | Audit Value Pulled From Note. |
| XXXXXX | XXXXXX | 305029082 | XXXXXX | Interest Rate | notePage | 7.625 | 7.7500 | Audit Value Pulled From Note. |
| XXXXXX | XXXXXX | 305030476 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305030441 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305030401 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX | XXXXXX | 305030283 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305030274 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305030199 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305030160 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305030159 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX | XXXXXX | 305029971 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| XXXXXX |  | 304848988 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305057863 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304866589 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 304908705 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Loan documents support DSCR. |
| XXXXXX | XXXXXX | 304904457 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 304891144 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| XXXXXX |  | 304904452 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304897077 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 305026599 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305026598 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| XXXXXX | XXXXXX | 304902324 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304904430 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305029874 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 305027037 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305026441 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Loan documents support DSCR. |
| XXXXXX | XXXXXX | 304909608 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304993657 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 305013360 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX | XXXXXX | 305023784 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 305029557 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305034674 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305034617 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX | XXXXXX | 305031688 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Loan documents support DSCR. |
| XXXXXX | XXXXXX | 305029236 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 305029270 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305038535 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057551 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305057710 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305051449 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305029691 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305047103 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305030624 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| XXXXXX |  | 305034611 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305033638 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305061085 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305046017 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305041937 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305036269 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| XXXXXX |  | 305051380 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| XXXXXX |  | 305038990 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305037871 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305045971 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305037870 | XXXXXX | Loan Type | the1008Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305037868 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305037867 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305053697 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305051378 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305037864 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305038037 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305061193 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305038716 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305053432 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305051375 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305040473 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305051372 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305051371 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305041934 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305053489 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305042045 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305042043 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305054838 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305059708 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305053696 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305054682 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305063739 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305047466 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057550 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057549 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305057548 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305057547 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305057546 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| XXXXXX |  | 305078467 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305056849 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| XXXXXX |  | 305054929 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305046000 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305046015 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305046014 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305047091 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305047089 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305053430 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305047464 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305059705 | XXXXXX | Loan Type | the1008Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305047868 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305054990 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305047520 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305047864 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305050111 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305057544 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305062373 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305056847 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305056845 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305070043 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305055828 | XXXXXX | Loan Type | the1003Page | DSCR | FHA | Audit Value Pulled From 1008. |
| XXXXXX |  | 305061630 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305051873 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305057542 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305054926 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305057858 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305054925 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305062330 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305061014 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305054924 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305052638 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305053427 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305067582 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305053750 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305061013 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305054589 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305056356 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305054833 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305067581 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305069093 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305061010 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305060668 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| XXXXXX |  | 305059700 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305056674 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305069108 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305060718 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305064145 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305063380 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305064047 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305061543 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305064046 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305045967 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057848 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305077120 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305064143 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305061542 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305042048 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305070041 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305060663 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305072092 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305076278 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305062322 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305062317 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305062313 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305056362 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305056363 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| XXXXXX |  | 305070039 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305070038 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305069734 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305064038 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305075887 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305071224 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305067563 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304909733 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 304874817 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305024787 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304897423 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304875241 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| XXXXXX | XXXXXX | 304897422 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304897601 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304909033 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304909032 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| XXXXXX | XXXXXX | 304898181 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305026595 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 305013582 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305013581 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304909815 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305027332 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305042288 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305042287 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX | XXXXXX | 305029169 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 305024444 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305030617 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305056905 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057681 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX | XXXXXX | 305029230 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057941 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| XXXXXX |  | 305038776 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305046106 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305037858 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305031477 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305069136 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305069724 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305047909 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305076205 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305044897 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305053483 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305060999 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305056830 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305050808 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305057680 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305042279 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305059689 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file |
| XXXXXX |  | 305051357 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305054677 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305060823 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305066752 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305056347 | XXXXXX | Loan Type | the1008Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057528 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305061077 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305051441 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305061538 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305061537 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057527 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305057526 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305052323 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305059748 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| XXXXXX |  | 305060656 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305060996 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305066750 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305065536 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305053415 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008 |
| XXXXXX |  | 305057523 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value based on documents located in the loan file. |
| XXXXXX |  | 305067107 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305057522 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057938 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305064135 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305060710 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305054985 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From Final 1008. |
| XXXXXX |  | 305060654 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305056340 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value pulled from 1008 |
| XXXXXX |  | 305073575 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305065474 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305067562 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305063697 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305067561 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305066749 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008. |
| XXXXXX |  | 305067560 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305059682 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305064032 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305073506 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305069076 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305070111 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in the loan file. |
| XXXXXX |  | 305066745 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305036547 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305029906 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305042217 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from 1008 |
| XXXXXX |  | 305044960 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305047505 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305046010 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305046006 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305051151 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305057968 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305039388 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305043808 | XXXXXX | Loan Type | the1003Page | DSCR | Other | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 304898050 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305039457 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX |  | 305044573 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit value pulled from documents located in loan file |
| XXXXXX | XXXXXX | 305031469 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX |  | 305042644 | XXXXXX | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| XXXXXX | XXXXXX | 305030401 | XXXXXX | Number of Units | propertyValuationPage | 4 | 6 | Audit Value Pulled From Appraisal. |
| XXXXXX | XXXXXX | 304993657 | XXXXXX | Number of Units | propertyValuationPage | 2 | 1 | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 305024311 | XXXXXX | Number of Units | propertyValuationPage | 3 | 2 | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 305061538 | XXXXXX | Occupancy | the1003Page | Investment | Primary Residence | Audit Value Pulled From Final 1003. |
| XXXXXX | XXXXXX | 304898965 | XXXXXX | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | 0.00 | Audit Value Pulled From Appraisal. |
| XXXXXX | XXXXXX | 304898973 | XXXXXX | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | 0.00 | Audit Value Pulled From Appraisal. |
| XXXXXX | XXXXXX | 304898968 | XXXXXX | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | 0.00 | Audit Value Pulled From Appraisal. |
| XXXXXX | XXXXXX | 305031449 | XXXXXX | Primary Appraised Property Value | propertyValuationPage | $XXXXXX | $XXXXXX | Audit Value Pulled From Appraisal. |
| XXXXXX |  | 305054589 | XXXXXX | Property Address | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled from Note. |
| XXXXXX |  | 305044573 | XXXXXX | Property Address | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| XXXXXX | XXXXXX | 305030199 | XXXXXX | Property City | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| XXXXXX |  | 305054985 | XXXXXX | Property City | notePage | XXXXXXX | XXXXXXX | Audit Value Pulled From Note. |
| XXXXXX | XXXXXX | 304898973 | XXXXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit Value Pulled From Appraisal. |
| XXXXXX | XXXXXX | 304911580 | XXXXXX | Qualifying CLTV | propertyValuationPage | 75 | 65.00 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX | XXXXXX | 305031449 | XXXXXX | Qualifying CLTV | propertyValuationPage | 77.21 | 78 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX | XXXXXX | 305030327 | XXXXXX | Qualifying CLTV | propertyValuationPage | 80 | 79.99 | Rounding |
| XXXXXX | XXXXXX | 304894708 | XXXXXX | Qualifying CLTV | propertyValuationPage | 76.26 | 77 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305057863 | XXXXXX | Qualifying CLTV | propertyValuationPage | 54.2 | 54.19 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX | XXXXXX | 304904593 | XXXXXX | Qualifying CLTV | propertyValuationPage | 84.92 | 85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX | XXXXXX | 305029557 | XXXXXX | Qualifying CLTV | propertyValuationPage | 27.12 | 27.11 | Rounding |
| XXXXXX |  | 305034617 | XXXXXX | Qualifying CLTV | propertyValuationPage | 43.06 | 43.05 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305038739 | XXXXXX | Qualifying CLTV | propertyValuationPage | 75.45 | 75.44 | Rounding |
| XXXXXX |  | 305054929 | XXXXXX | Qualifying CLTV | propertyValuationPage | 63.86 | 63.85 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305046000 | XXXXXX | Qualifying CLTV | propertyValuationPage | 74.81 | 74.8 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305056847 | XXXXXX | Qualifying CLTV | propertyValuationPage | 66.25 | 66.24 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305067581 | XXXXXX | Qualifying CLTV | propertyValuationPage | 79.1 | 79.09 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305069093 | XXXXXX | Qualifying CLTV | propertyValuationPage | 74.96 | 74.95 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305056674 | XXXXXX | Qualifying CLTV | propertyValuationPage | 69.2 | 69.19 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305072092 | XXXXXX | Qualifying CLTV | propertyValuationPage | 75.46 | 75.45 | Rounding |
| XXXXXX |  | 305062317 | XXXXXX | Qualifying CLTV | propertyValuationPage | 57.37 | 57.36 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305056362 | XXXXXX | Qualifying CLTV | propertyValuationPage | 66.56 | 66.55 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305064038 | XXXXXX | Qualifying CLTV | propertyValuationPage | 58.27 | 58.26 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX | XXXXXX | 305027514 | XXXXXX | Qualifying CLTV | propertyValuationPage | 88.41 | 89 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX | XXXXXX | 305027332 | XXXXXX | Qualifying CLTV | propertyValuationPage | 57.75 | 57.74 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305035589 | XXXXXX | Qualifying CLTV | propertyValuationPage | 78.45 | 79 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305036830 | XXXXXX | Qualifying CLTV | propertyValuationPage | 79.1 | 79.09 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305060996 | XXXXXX | Qualifying CLTV | propertyValuationPage | 79.27 | 79.26 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| XXXXXX |  | 305057522 | XXXXXX | Qualifying CLTV | propertyValuationPage | 72.12 | 72.11 | Rounding |
| XXXXXX |  | 305047505 | XXXXXX | Qualifying CLTV | propertyValuationPage | 78.83 | 70 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305057968 | XXXXXX | Qualifying CLTV | propertyValuationPage | 51.22 | 51.21 | Rounding |
| XXXXXX |  | 304869291 | XXXXXX | Qualifying CLTV | propertyValuationPage | 76.15 | 76.14 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 304898971 | XXXXXX | Qualifying CLTV | propertyValuationPage | 66.87 | 75 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305039388 | XXXXXX | Qualifying CLTV | propertyValuationPage | 80 | 76.57 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX |  | 305053764 | XXXXXX | Qualifying CLTV | propertyValuationPage | 81.25 | 82 | Audit Value of 1st + 2nd lien / Qualifying Value |
| XXXXXX | XXXXXX | 304867433 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 710 | 755 | Audit value based on lender qualifying requirements. |
| XXXXXX | XXXXXX | 305030356 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 718 | 734 | Audit value based on lender qualifying requirements |
| XXXXXX |  | 305057863 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 715 | 687 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 304889341 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 739 | 0 | Audit value based on lender qualifying requirements.<br> . |
| XXXXXX |  | 304904452 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 707 | 656 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305029874 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 729 | 672 | Audit value based on lender qualifying requirements |
| XXXXXX | XXXXXX | 305012671 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 780 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305037881 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 702 | 0 | Audit value based on lender qualifying requirements |
| XXXXXX | XXXXXX | 305032482 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 699 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305034535 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 811 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX | XXXXXX | 305042296 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 752 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305054838 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 725 | 712 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305046000 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 726 | 718 | Audit value based on lender qualifying requirements |
| XXXXXX |  | 305060720 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 746 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305060663 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 794 | 793 | Audit value based on lender qualifying requirements |
| XXXXXX | XXXXXX | 305027173 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 726 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX | XXXXXX | 305027154 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 690 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305033672 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 750 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305050763 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 779 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305054985 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 709 | 712 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305026500 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 741 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX | XXXXXX | 305038998 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 769 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX | XXXXXX | 305029906 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 742 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 304869322 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 758 | 770 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 304899065 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 743 | 747 | Audit value based on lender qualifying requirements. |
| XXXXXX | XXXXXX | 305013280 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 766 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX |  | 305053764 | XXXXXX | Qualifying FICO | creditLiabilitiesPage | 803 | 0 | Audit value based on lender qualifying requirements. |
| XXXXXX | XXXXXX | 304911580 | XXXXXX | Qualifying LTV | propertyValuationPage | 75 | 65.00 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX | XXXXXX | 305031449 | XXXXXX | Qualifying LTV | propertyValuationPage | 77.21 | 78 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX | XXXXXX | 305030327 | XXXXXX | Qualifying LTV | propertyValuationPage | 80 | 79.99 | Rounding |
| XXXXXX | XXXXXX | 304894708 | XXXXXX | Qualifying LTV | propertyValuationPage | 76.26 | 77 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305057863 | XXXXXX | Qualifying LTV | propertyValuationPage | 54.2 | 54.19 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX | XXXXXX | 304904593 | XXXXXX | Qualifying LTV | propertyValuationPage | 84.92 | 85 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX | XXXXXX | 305029557 | XXXXXX | Qualifying LTV | propertyValuationPage | 27.12 | 27.11 | Rounding |
| XXXXXX |  | 305034617 | XXXXXX | Qualifying LTV | propertyValuationPage | 43.06 | 43.05 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305038739 | XXXXXX | Qualifying LTV | propertyValuationPage | 75.45 | 75.44 | Rounding |
| XXXXXX |  | 305054929 | XXXXXX | Qualifying LTV | propertyValuationPage | 63.86 | 63.85 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305046000 | XXXXXX | Qualifying LTV | propertyValuationPage | 74.81 | 74.8 | Audit Value of 1st Lien / Qualifying Value |
| XXXXXX |  | 305056847 | XXXXXX | Qualifying LTV | propertyValuationPage | 66.25 | 66.24 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305067581 | XXXXXX | Qualifying LTV | propertyValuationPage | 79.1 | 79.09 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305069093 | XXXXXX | Qualifying LTV | propertyValuationPage | 74.96 | 74.95 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305056674 | XXXXXX | Qualifying LTV | propertyValuationPage | 69.2 | 69.19 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305072092 | XXXXXX | Qualifying LTV | propertyValuationPage | 75.46 | 75.45 | Rounding |
| XXXXXX |  | 305062317 | XXXXXX | Qualifying LTV | propertyValuationPage | 57.37 | 57.36 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305056362 | XXXXXX | Qualifying LTV | propertyValuationPage | 66.56 | 66.55 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305064038 | XXXXXX | Qualifying LTV | propertyValuationPage | 58.27 | 58.26 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX | XXXXXX | 305027514 | XXXXXX | Qualifying LTV | propertyValuationPage | 88.41 | 89 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX | XXXXXX | 305027332 | XXXXXX | Qualifying LTV | propertyValuationPage | 57.75 | 57.74 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305035589 | XXXXXX | Qualifying LTV | propertyValuationPage | 78.45 | 79 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305036830 | XXXXXX | Qualifying LTV | propertyValuationPage | 79.1 | 79.09 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305060996 | XXXXXX | Qualifying LTV | propertyValuationPage | 79.27 | 79.26 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305057522 | XXXXXX | Qualifying LTV | propertyValuationPage | 72.12 | 72.11 | Rounding |
| XXXXXX |  | 305047505 | XXXXXX | Qualifying LTV | propertyValuationPage | 78.83 | 70 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305057968 | XXXXXX | Qualifying LTV | propertyValuationPage | 51.22 | 51.21 | Rounding |
| XXXXXX |  | 304869291 | XXXXXX | Qualifying LTV | propertyValuationPage | 76.15 | 76.14 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 304898971 | XXXXXX | Qualifying LTV | propertyValuationPage | 66.87 | 75 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305039388 | XXXXXX | Qualifying LTV | propertyValuationPage | 80 | 76.57 | Audit Value of Subject Lien / Qualifying Value |
| XXXXXX |  | 305053764 | XXXXXX | Qualifying LTV | propertyValuationPage | 81.25 | 82 | Audit Value of Subject Lien / Qualifying Value |

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## Exhibit 99.38

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.38**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXX | XXXXX | XXXXX | 304898973 | Closed | 2026-01-08 05:23 | 2026-01-22 15:25 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-According to the lender guidelines, verification is not required on mortgage loans not reporting on the credit bureau. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Constructive guidelines do not require 12 month VOM/payment history for subject property mortgage. Verification is not required. - Due Diligence Vendor-01/21/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM/12 months housing history is missing for subject property. - Due Diligence Vendor-01/08/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-01/22/2026 |  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305031449 | Closed | 2026-02-09 12:42 | 2026-04-01 11:56 | Resolved | 1 - Information | Credit | Borrower | Missing required documentation for debt paid by others | Resolved-Agree with lender, however, the rental loss should be subtracted from the income. In this case the T&I were considered in the DTI calculation. - Due Diligence Vendor-04/01/2026 <br> Counter-When reviewing XXXXXXX XXX guidance's, if it's clear the business is responsible for the payment, the full PITIA can be excluded from the DTI calculation since it appears the mortgage was just added to the XXXX Tax returns, more proof of PITIA payment is needed. Finding remains. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-2/16 XX: According to the XXXXXX XXX guidance if a rental property is reporting income and expenses on Form 8825 and a mortgage and/or other expenses (taxes, insurance, HOA dues) from the same property are being included in the liabilities, the PITIa can be excluded from the debt ratio as the expenses are already being considered in the self-employment calculation. <br>NOTE: In this case, the guidance surrounding debts paid by the borrower's business does not apply and the underwriter is not required to document 12 months of payments by the business to exclude the debt. - Due Diligence Vendor-02/16/2026 <br> Open-Documentation for debt(s) paid by other than borrower does not meet requirements for exclusion from DTI calculations. The loan file is missing documentation to support exclusion of mortgage on REO 3b on the final loan application. The loan was originated on XX/XXXX; and the mortgage statement reflects monthly interest of $X,XXX.XX. The borrower's XXXX business tax returns reflect interest of only $X,XXX.XX which covers less than 3 months interest. The tax returns are not sufficient proof that the business is paying for the mortgage. The loan file did not contain 12 months business cancelled checks to support exclusion of this debt from the borrower's ratios. - Due Diligence Vendor-02/09/2026 |  | Resolved-Agree with lender, however, the rental loss should be subtracted from the income. In this case the T&I were considered in the DTI calculation. - Due Diligence Vendor-04/01/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305031449 | Closed | 2026-02-09 12:00 | 2026-04-01 09:37 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/01/2026 <br> Resolved-Agree with lender, however, the rental loss should be subtracted from the income. In this case the T&I were considered in the DTI calculation. - Due Diligence Vendor-04/01/2026 <br> Counter-When reviewing XXXXXX XXX guidance's, if it's clear the business is responsible for the payment, the full PITIA can be excluded from the DTI calculation since it appears the mortgage was just added to the XXXX Tax returns, more proof of PITIA payment is needed. Finding remains. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-2/16 XX: According to the XXXXXX XXX guidance if a rental property is reporting income and expenses on Form 8825 and a mortgage and/or other expenses (taxes, insurance, HOA dues) from the same property are being included in the liabilities, the PITIa can be excluded from the debt ratio as the expenses are already being considered in the self-employment calculation. <br>NOTE: In this case, the guidance surrounding debts paid by the borrower's business does not apply and the underwriter is not required to document 12 months of payments by the business to exclude the debt. - Due Diligence Vendor-02/17/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The loan file is missing documentation to support exclusion of mortgage on REO 3b on the final loan application. - Due Diligence Vendor-02/09/2026 |  | Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-04/01/2026 <br>Resolved-Agree with lender, however, the rental loss should be subtracted from the income. In this case the T&I were considered in the DTI calculation. - Due Diligence Vendor-04/01/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304898980 | Closed | 2026-01-08 10:07 | 2026-03-04 18:24 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Acknowledged-Client obtained lender statement indicating exception was approved internally and noted on data tape. Client acknowledged and requested downgrade. - Due Diligence Vendor-03/05/2026 <br> Counter-2nd QC review of the Appendix K guidelines determines that a minimum FICO of 700 is required for a No Cash Out refinance at 80% LTV. FICO range of 680-699 at 80% LTV related only to a purchase transaction. - Due Diligence Vendor-03/04/2026 <br> Counter-Audit has reviewed the lender's comments, Appendix K Expanded Overlay Matrix on page 37 indicate a FICO of 680-699 for Purchase at maximum 80% LTV and Refinance No Cash Out at maximum 75% LTV, the Matrix also reflects a FICO of 700-719 required for purchase at maximum 80% LTV and a Refinance No Cashout at maximum 80% LTV. In this case, the Audited FICO of 682 is less than the minimum FICO of 700 required for a No Cashout Refinance at 80% LTV. Condition remains. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Guidelines section appendix J is only applied to Standard overlay guidelines and does not apply to Expanded overlay. Expanded overlay guidelines are found in Appendix K. The correct overlay for this loan is Expanded. Credit score is 682. The Matrix found on page 37 shows that credit scores from 680-699 allow for up to 80% LTV on purchase and R/T Refinance transactions on expanded - Due Diligence Vendor-02/13/2026 <br> Counter-According to the recent lender guidelines effective XX/XX/XXXX, Appendix J and Appendix K Expanded Overlay indicate the minimum FICO for Refinance No Cash Out at 80% is 700 FICO. Condition remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Constructive guidelines as reflected in the expanded appendix allow for credit scores down to 680 with LTVs up to 80% on RT refinances. Loan is within guidelines. - Due Diligence Vendor-01/21/2026 <br> Open-Audited FICO of 682 is less than Guideline FICO of 720 - Due Diligence Vendor-01/08/2026 |  | Acknowledged-Client obtained lender statement indicating exception was approved internally and noted on data tape. Client acknowledged and requested downgrade. - Due Diligence Vendor-03/05/2026 |  |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030476 | Closed | 2026-01-27 13:30 | 2026-03-09 11:59 | Waived | 2 - Non-Material | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/09/2026 <br>Open-Audited FICO of 699 is less than Guideline FICO of 700 - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Audited FICO of 699 is less than guideline FICO of 700, exception approved for 1 point credit score less than required 700. - Due Diligence Vendor-03/06/2026 <br>Open-Audited FICO of 699 is less than Guideline FICO of 700 The lender provided an approved exception dated prior to consummation, and all compensating factors were validated. Audited FICO of 699 is less than client overlay of 700. - Due Diligence Vendor-01/27/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/09/2026 | XXXXXXX_1.pdf |  | 1. DSCR greater than 1.21%. <br> 2. 57.95 months reserves <br> 3. Excellent mortgage payment history dating back to XXXX<br> 4. Experienced Investor | XX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030476 | Closed | 2026-01-27 13:09 | 2026-02-19 20:18 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the PUD. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. <br>- Due Diligence Vendor-02/10/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-01/27/2026 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-02/17/2026 |  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305030441 | Closed | 2026-02-02 12:12 | 2026-03-10 10:30 | Waived | 2 - Non-Material | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Updated Exception - uploaded - Due Diligence Vendor-03/10/2026 <br> Counter-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated for the maximum cashout of $XXX,XXX. Cash out amount of $XXX,XXX.XX exceeds client overlay of maximum cash out of $XXX,XXX. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Please see the attached updated exception. Thank you. - Due Diligence Vendor-02/05/2026 <br> Open-Cash Out Does Not Meet Guideline Requirements A lender exception in file for max cash out is XXXX, indicates a decision of conditioned. Lender Exception also indicates a DSCR of 1.10 , with rental amount of $XXXX, lease in file indicates a rental amount of $XXXX. Cash out amount of $XXX,XXX.XX exceeds client overlay of maximum cash out of $XXX,XXX.<br> - Due Diligence Vendor-02/02/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  | 126.90 months reserves, LTV 63.42% < 70% max, experienced investor, DSCR 1.41%, subj is new construction with well supported value | XX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030441 | Closed | 2026-02-02 12:03 | 2026-02-16 17:12 | Resolved | 1 - Information | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-An updated lease agreement was received. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Please see corrected lease with Borrowers initials reflecting XXXX end date. - Due Diligence Vendor-02/05/2026 <br> Open-Lease agreement provided indicates a start date of XX/XX/XXXX and an end date of XX/XX/XXXX. An updated lease agreement with correct end date is missing. - Due Diligence Vendor-02/02/2026 |  | Resolved-An updated lease agreement was received. - Due Diligence Vendor-02/16/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305030356 | Closed | 2026-01-31 11:58 | 2026-04-16 11:21 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 <br>Counter- - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Per Client overlays, 6 months of reserves are required, Finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 <br>Open-Audited Reserves of 5.17 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/31/2026 |  | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/15/2026 |  |  | 25.32% DTI < 50% max, 718 FICO, 5 months reserves > 3 months minimum. | XX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030331 | Closed | 2026-01-31 08:21 | 2026-04-16 11:29 | Waived | 2 - Non-Material | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-02/19/2026 <br> Counter-Lender provided Exception for 1 month of bank statement not provided, however the exception is not valid due 14 mos. reserves vs audit of 13.1 reserves and Residual income shows XXXX VS Audit of XXX. Corrected Doc requested. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Borrower qualifies using P&L only guidelines. Business bank statement is not required. - Due Diligence Vendor-02/04/2026 <br> Open-Borrower 1 Business Bank Statements Missing Additional conditions may result upon receipt of missing documentation - Due Diligence Vendor-01/31/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/23/2026 | XXXXXXX_1.pdf |  | 1. Qualifying FICO 743. 2. LTV 57.445% (max LTV allowed is 80%). 3. Reserves of 13.1 months via cash in hand proceeds to borrower at closing. 4. Residual income $XX,XXX.Underwriter used the following information pre-consummation to support loan approval: <br> 1. P&L completed by CPA through XX/XX/XXXX.<br> 2. CPA Letter <br> 3. CPA Verification<br> 4. Business bank statement from XXXXX #XXXX for XX/XX/XXXX through XX/XX/XXXX for account holder XXXXXXXX XXXXXX XXXXXXX.<br> 5. Credit history dating back to XXXX and mortgages paid as agreed since XXXX.<br> 6. Sufficient verified assets for funds to close plus reserves.<br> 7. Clean A property with well supported value. | XX | Primary Residence | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030331 | Closed | 2026-01-31 08:21 | 2026-04-16 11:27 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved- - Due Diligence Vendor-04/16/2026 <br> Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-02/19/2026 <br> Counter-Lender provided Exception for 1 month of bank statement not provided, however the exception is not valid due 14 mos. reserves vs audit of 13.1 reserves and Residual income shows XXX vs Audit of XXX. Corrected Doc requested. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please see attached exception - Due Diligence Vendor-02/05/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements No business bank statements were provided in the loan file - Due Diligence Vendor-01/31/2026 |  | Resolved- - Due Diligence Vendor-04/16/2026 <br>Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/23/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  | 1. Qualifying FICO 743. 2. LTV 57.445% (max LTV allowed is 80%). 3. Reserves of 13.1 months via cash in hand proceeds to borrower at closing. 4. Residual income $XX,XXX.Underwriter used the following information pre-consummation to support loan approval: <br> 1. P&L completed by CPA through XX/XX/XXXX.<br> 2. CPA Letter <br> 3. CPA Verification<br> 4. Business bank statement from XXXXX #XXXX for XX/XX/XXXX through XX/XX/XXXX for account holder XXXXXXXX XXXXXX XXXXXXXX.<br> 5. Credit history dating back to XXXX and mortgages paid as agreed since XXXX.<br> 6. Sufficient verified assets for funds to close plus reserves.<br> 7. Clean A property with well supported value. | XX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305030331 | Closed | 2026-01-27 06:55 | 2026-01-31 08:36 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | Privacy Notice Required - Missing or Incomplete | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-01/27/2026 |  | Acknowledged-Privacy Notice Required - Missing or Incomplete. - Due Diligence Vendor-01/27/2026 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030327 | Closed | 2026-04-15 14:22 | 2026-04-15 14:22 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/15/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-04/15/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030327 | Closed | 2026-01-30 15:19 | 2026-02-23 15:31 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Received verification the Lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please see attached - Due Diligence Vendor-02/18/2026 <br> Counter-Per Lender Attestation does not show XXXXXXXXX is closed on Saturdays, need proof XXXXXXXXX is closed for business on Saturdays. Finding remains. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Saturday should not be included in the business day calculation since XXXXXXXXX is not open for business. Additionally, XX/XX/XXXX was a holiday and should also not be included. <br>(6) Business day means a day on which the creditor's offices are open to the public for carrying on substantially all of its business functions. However, for purposes of rescission under §§ 1026.15 and 1026.23, and for purposes of §§ 1026.19(a)(1)(ii), 1026.19(a)(2), 1026.19(e)(1)(iii)(B), 1026.19(e)(1)(iv), 1026.19(e)(2)(i)(A), 1026.19(e)(4)(ii), 1026.19(f)(1)(ii), 1026.19(f)(1)(iii), 1026.20(e)(5), 1026.31, and 1026.46(d)(4), the term means all calendar days except Sundays and the legal public holidays specified in 5 U.S.C. 6103(a), such as New Year's Day, the Birthday of Martin Luther King, Jr., Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving Day, and Christmas Day. - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 <br> Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) . - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Resolved-Received verification the Lender is closed on Saturdays. Condition cleared. - Due Diligence Vendor-02/23/2026 <br>Resolved-Resolved - Due Diligence Vendor-02/23/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305030327 | Closed | 2026-01-30 15:19 | 2026-02-23 15:29 | Acknowledged | 2 - Non-Material | Compliance | Tolerance:Disclosure | Federal - Homeownership Counseling Disclosure Delivery | Acknowledged- - Due Diligence Vendor-02/23/2026 <br> Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Acknowledged-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-01/30/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030283 | Closed | 2026-03-26 14:41 | 2026-04-16 11:31 | Acknowledged | 2 - Non-Material | Property | Value | Secondary Valuation Product Only Supports Value Used to Calculate LTV | Acknowledged- - Due Diligence Vendor-03/26/2026 <br>Open-Secondary valuation product does not support the appraised value but does support the value used to calculate the LTV. This finding will be rated A for KBRA, DBRS and Moody's, B for Fitch, and C for S&P. - Due Diligence Vendor-03/26/2026 |  |  |  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030283 | Closed | 2026-01-27 14:55 | 2026-03-26 14:48 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-The CDA supports the sales price which was used to calculate the LTV, finding resolved. - Due Diligence Vendor-03/26/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-XXXXXXXXXXX came in at $XXX,XXX which is lower than the CDA that was in file at $XXX,XXX but is just under a 1% variance.<br>It is noted that the underwriter used the purchase price of $XXX,XXX (which is also the CDA value) to qualify loan amount, not the appraised value of $XXX,XXX. XXXXXXXXX loan amount of $XXX,XXX against purchase price of $XXX,XXX is 80%.<br>- Due Diligence Vendor-03/25/2026 <br> Counter-Reviewed Lender's rebuttal; however, the document provided is not within the allowable 10% tolerance. As a result, an additional review product is required. Finding remains - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Final investor/XXX did full value review on each file and all came back acceptable. - Due Diligence Vendor-03/19/2026 <br> Counter-CDA provided matches document contained in the original loan file. The CDA is not within 10% of the appraisal value. Finding remains - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Please see attached CDA - Due Diligence Vendor-02/18/2026 <br> Counter-Document was not attached. Please upload document. A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-Please see CDA attached. Thank you.<br> - Due Diligence Vendor-02/05/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-02/02/2026 |  | Resolved-The CDA supports the sales price which was used to calculate the LTV, finding resolved. - Due Diligence Vendor-03/26/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/26/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305030274 | Closed | 2026-02-01 08:31 | 2026-03-12 15:27 | Waived | 2 - Non-Material | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-The Post Closing Guideline Exception Form has been uploaded along with alternative supporting documentation to support that borrower owns business that EMD of $XXXX was provided. - Due Diligence Vendor-03/12/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements The $XXX,XXX earnest money deposit came out of a business account. There are no documents in the file to verify the borrower's ownership of this business. - Due Diligence Vendor-02/01/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  | 743 FICO, 7.34 months in reserves, experienced investor | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030160 | Closed | 2026-02-02 13:26 | 2026-04-16 11:36 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Please see attached matrix confirming max on a BP Accelerator loan is 80%. - Due Diligence Vendor-02/04/2026 <br>Open-Audited LTV of 80% exceeds Guideline LTV of 75% Lender guideline matrix only allows a max LTV of 75% for DSCR < 1. - Due Diligence Vendor-02/02/2026 |  | Waived-Client approved exception to purchase criteria. LTV within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 | XXXXXXX_1.pdf |  | 1) FICO 721 > 700 minimum required 2) Subject property is new construction with well supported value 3) Credit history dating back to XXXX and accounts paid as agreed 3+ years | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030160 | Closed | 2026-01-29 14:28 | 2026-03-10 12:34 | Waived | 2 - Non-Material | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached exception - Due Diligence Vendor-03/10/2026 <br> Counter-Reviewed lender's rebuttal regarding calculation of PITIA. The lender calculated the property taxes at $XXX.XX per month; however, based on the tax bill in file, the property taxes are $X,XXX.XX per month. The loan file also contains a property tax estimate from the title company reflecting annual taxes of $X,XXX.XX or $XXX.XX per month. Please provide documentation to support monthly taxes of $XXX. Finding remains - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Please see PC Finding Review - Due Diligence Vendor-03/06/2026 <br> Counter-DSCR of 0.911 does not meet client overlay DSCR of 1. Condition remains. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-See matrix attached. Max ltv permitted with a 721 mid is 80% on a purchase. Thank you. - Due Diligence Vendor-02/04/2026 <br> Open-Audited DSCR of 0.911 is below guideline minimum of 1 . Lender guideline matrix only allows a max LTV of 75% for DSCR < 1. - Due Diligence Vendor-02/02/2026 |  | Waived-Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/10/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  | 1) FICO 721 > 700 minimum required 2) Subject property is new construction with well supported value 3) Credit history dating back to XXXX and accounts paid as agreed 3+ years | XX | Investment | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030160 | Closed | 2026-01-29 13:34 | 2026-02-16 15:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Mortgage Riders - Condo Rider | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Mortgage document Uniform Covenants #38 provides the relevant terms for the condominium property. - Due Diligence Vendor-02/16/2026 <br>Ready for Review-Please note: We do not include riders because we already include the relevant terms within the security instrument, or we have the terms changed and replace rather than using a rider to edit boilerplate language which leaves ambiguity and interpretation in the courts in a dispute. - Due Diligence Vendor-02/04/2026 <br>Open-Condo Rider is Missing - Due Diligence Vendor-01/29/2026 |  | Resolved-The Condo Rider is Present - Due Diligence Vendor-02/16/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305030148 | Closed | 2026-01-30 10:45 | 2026-03-10 09:14 | Resolved | 1 - Information | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Lender provided ITIN letter with CPA letter, finding resolved. - Due Diligence Vendor-03/10/2026 <br>Counter-Lender provided CPA letter with ITIN letter, however per guidelines need acceptable VISA, condition remains - Due Diligence Vendor-02/13/2026 <br>Ready for Review-ITIN borrower- ITIN letter and CPA letter. - Due Diligence Vendor-02/05/2026 <br>Open-Borrower 1 Citizenship Documentation Is Missing Missing a valid VISA with entry stamps as required by the lender guidelines. - Due Diligence Vendor-01/30/2026 |  | Resolved-Lender provided ITIN letter with CPA letter, finding resolved. - Due Diligence Vendor-03/10/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305030106 | Closed | 2026-01-26 12:10 | 2026-02-13 10:15 | Resolved | 1 - Information | Compliance | Mavent | Fees: Limited | Resolved-Lender provided breakdown of Recording fee, which included XXXX Foreclosure Prevention Fee, Finding resolved - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Please see attached the Foreclosure Prevention Fee Audit and PCCD. This fee was included in the section E recording fees - Due Diligence Vendor-02/05/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open-XXXX requires every borrower in a residential mortgage loan to pay an $XX Foreclosure Prevention Fee. The System did not find an $XX fee titled "Foreclosure Prevention", "Foreclosure Prevention Fee", nor "XXXX Foreclosure Prevention Fee". "Residential mortgage loan" means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other consensual security interest on a dwelling, as defined in the Truth in Lending Act, or residential real estate upon which is constructed or intended to be constructed a dwelling. (RCW 61.24; RCW 31.04.015(24)) - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 |  | Resolved-Lender provided breakdown of Recording fee, which included XXXXXXXXXX Foreclosure Prevention Fee, Finding resolved - Due Diligence Vendor-02/13/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/13/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305030038 | Closed | 2026-01-30 14:53 | 2026-02-15 20:40 | Waived | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 <br>Counter-Per Client overlays, 6 months of reserves are required. Finding remains. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Guidelines only require 3 months reserves - Due Diligence Vendor-02/09/2026 <br>Open-Audited Reserves of 5.78 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-01/30/2026 |  | Waived-Client approved exception to purchase criteria. Reserves within Lender guidelines. Finding downgraded. - Due Diligence Vendor-02/16/2026 |  |  | 17.18% dti < 45% max<br> 773 FICO > 720 min | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305029971 | Closed | 2026-02-09 14:03 | 2026-03-09 13:56 | Resolved | 1 - Information | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Received ownership documents, finding resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Please see documents to support borrower's ownership, please review and advise. - Due Diligence Vendor-03/06/2026 <br> Open-Verification of borrower's ownership of business account #XXXX is missing. - Due Diligence Vendor-02/09/2026 |  | Resolved-Received ownership documents, finding resolved. - Due Diligence Vendor-03/09/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029971 | Closed | 2026-02-09 14:07 | 2026-02-24 15:42 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Payment History and Property Report provided. Property Report confirms borrower as a primary owner. Finding resolved - Due Diligence Vendor-02/24/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Property profile; Bwr owns property - Due Diligence Vendor-02/20/2026 <br>Counter-The loan application reflects the borrower is unmarried and living rent free and the attached mortgage payment history is not in the borrower's name. Lender's guidelines require a letter of explanation for the person the borrower is living with confirming relationship and that they are living rent free with time frame. Finding remains - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Borrower owns primary residence. See attached VOM - Due Diligence Vendor-02/11/2026 <br>Open-Missing a rent-free letter for borrower's primary residence. - Due Diligence Vendor-02/09/2026 |  | Resolved-Payment History and Property Report provided. Property Report confirms borrower as a primary owner. Finding resolved - Due Diligence Vendor-02/24/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-02/24/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304875288 | Closed | 2026-04-15 15:09 | 2026-04-15 15:09 | Acknowledged | 2 - Non-Material | Property | Value | Secondary valuation supports within 10%, PIW grading applies | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-04/15/2026 |  | Acknowledged-Secondary valuation support within 10%, PIW in file for a GSE loan. - Due Diligence Vendor-04/15/2026 |  |  |  | XX | Second Home | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 304875288 | Closed | 2025-12-26 11:13 | 2026-01-14 17:58 | Resolved | 1 - Information | Property | Value | Missing Post Close Valuation - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-AVM - Due Diligence Vendor-01/13/2026 <br>Counter-Documents provided for review are not a valid secondary valuation; condition remains. - Due Diligence Vendor-12/31/2025 <br>Ready for Review-PIW Disclosure & UW Findings - Due Diligence Vendor-12/30/2025 <br>Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/26/2025 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/14/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_1.pdf |  |  | XX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304875288 | Closed | 2025-12-22 13:28 | 2026-01-14 17:57 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/14/2026 <br>Resolved-Received PUD rider. Condition cleared. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-PUD Rider - Due Diligence Vendor-01/02/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-12/22/2025 |  | Resolved-The PUD Rider is Present or is Not Applicable (Property Type is PUD) - Due Diligence Vendor-01/14/2026 <br>Resolved-Received PUD rider. Condition cleared. - Due Diligence Vendor-01/05/2026 | XXXXXXX_1.pdf |  |  | XX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304875288 | Closed | 2026-01-05 08:21 | 2026-01-05 08:23 | Resolved | 1 - Information | Compliance | Closing | Note Address Does Not Match Deed of Trust Address | Resolved-Note Address of XXXX X XXXXXX XX, XXXX XXXXX, XX, XXXXX Matches Deed of Trust Address of XXXX X XXXXXX XX, XXXX XXXXX, XX, XXXXX - Due Diligence Vendor-01/05/2026 <br> Open-Note Address of XXXX X XXXXXX XX, XXXX XXXXX, XX, XXXXX Does Not Match Deed of Trust Address of XXXX X XXXXXX XX, XXXX XXXXX, XX, XXXXX - Due Diligence Vendor-01/05/2026 |  | Resolved-Note Address of XXXX X XXXXXX XX, XXXX XXXXX, XX, XXXXX Matches Deed of Trust Address of XXXX X XXXXXX XX, XXXX XXXXX, XX, XXXXX - Due Diligence Vendor-01/05/2026 |  |  |  | XX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304894708 | Closed | 2026-01-12 23:42 | 2026-02-24 16:43 | Resolved | 1 - Information | Compliance | Disclosure | TILA: CHARM Booklet is Missing or Incomplete | Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Charm Booklet and proof of delivery - Due Diligence Vendor-02/24/2026 <br>Counter-Received a copy of the handbook. Provide evidence that Charm Booklet was provided to borrowers within 3 days of application date. Condition remains. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Consumer Handbook - Due Diligence Vendor-02/03/2026 <br>Open-TILA: CHARM Booklet is Missing or Incomplete Provide evidence that Charm Booklet was provided to borrowers within 3 days of application date. - Due Diligence Vendor-01/13/2026 |  | Resolved-CHARM Booklet is Present or Not Applicable - Due Diligence Vendor-02/24/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304894708 | Closed | 2026-01-13 00:30 | 2026-02-04 15:33 | Resolved | 1 - Information | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Proof of appraisal receipt by borrower - Due Diligence Vendor-02/03/2026 <br>Open-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. Appraisal present: no evidence appraisal was provided to applicant. - Due Diligence Vendor-01/13/2026 |  | Resolved-ECOA Compliant: Appraisal present; evidence appraisal was provided to applicant. - Due Diligence Vendor-02/04/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304894708 | Closed | 2026-01-16 08:58 | 2026-01-16 08:58 | Acknowledged | 2 - Non-Material | Compliance | Right to Rescind | TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) SFA Position - B exception grade for circuits in which there is no ruling.<br> - Due Diligence Vendor-01/16/2026 |  | Acknowledged-TILA: Incorrect NORTC model provided - H8 equal or after XX/XX/XXXX (non-material jurisdictions) SFA Position - B exception grade for circuits in which there is no ruling.<br> - Due Diligence Vendor-01/16/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030935 | Closed | 2026-02-16 09:24 | 2026-02-25 11:07 | Acknowledged | 1 - Information | Compliance | QM-ATR | Change in Originator Qualified Mortgage Designation | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-XX 2/24: Please advise what further is needed from us to clear this finding - Due Diligence Vendor-02/25/2026 <br> Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/16/2026 |  | Acknowledged-This finding is informational only. No further action is required. - Due Diligence Vendor-02/25/2026 <br>Acknowledged-The lender changed the originator qualified mortgage designation from QM to Non QM. This finding is informational only. No further action is required. - Due Diligence Vendor-02/16/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305030935 | Closed | 2026-02-10 06:46 | 2026-02-16 09:29 | Resolved | 1 - Information | Compliance | AbilityToRepay:TermAndFeatures | Federal - Qualified Mortgage Loan Features (01/14) | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-XX 2/13. This loan is not subject to QM - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/11/2026 <br> Open-This loan cannot be a General Qualified Mortgage. The (XXXX) months interest only payments make it ineligible. (12 CFR 1026.43(e)(2)(i)(B)) Updated as per documents and spreadsheet - QM file and XXXX months initial interest file. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 |  | Resolved-Client acknowledges this loan does not meet QM requirements. QM status changed to Non-QM. - Due Diligence Vendor-02/16/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304866589 | Closed | 2026-01-04 06:16 | 2026-01-09 07:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Received payoff statement and settlement statements. Verified lien was paid off through 2 refinances, condition cleared. - Due Diligence Vendor-01/09/2026 <br> Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-01/08/26 - XX: Please see the attached payoff statement for XXXX XXX XXXXXXX. The XXXX XXX XXXXXXXX XXXXXXXX was obtained for both XXX XXXXXXXX XXXXX XX as well as XXXX X XX XXXXX XXX, XXXXXX, XX XXXXX per the provided settlement statement dated XX/XX/XXXX. $XXX,XXX.XX of the total payoff amount was paid via XXX loan #XXXXXXXXXX, and the remaining balance of $XXX,XXX.XX was paid via XXX loan #XXXXXXXXX. The final settlement statements for both XXX transactions have been attached as well. - Due Diligence Vendor-01/08/2026 <br> Open-Missing Payoff Statement for prior loan. - Due Diligence Vendor-01/04/2026 |  | Resolved-Received payoff statement and settlement statements. Verified lien was paid off through 2 refinances, condition cleared. - Due Diligence Vendor-01/09/2026 <br>Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-01/09/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304908705 | Closed | 2026-01-13 07:39 | 2026-01-13 07:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/13/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-01/13/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 304904457 | Closed | 2026-01-23 08:55 | 2026-01-30 08:39 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Satisfactory mortgage history for the subject property is reporting on the credit report, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX- see attached - Due Diligence Vendor-01/29/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete for subject property - Due Diligence Vendor-01/23/2026 |  | Resolved-Satisfactory mortgage history for the subject property is reporting on the credit report, condition resolved. - Due Diligence Vendor-01/30/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-01/30/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305026599 | Closed | 2026-01-08 12:14 | 2026-01-13 07:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Both REOs have been verified, one closed with the lender, and one was rejected. Condition cleared. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-1/12 XX: Please see attached CD for REO XXXX X XXXXXXXX XX XXXXXXXXXXXX, XXXXXXX XXXXX that shows the loan closed on XX/XX/XXXX. No mtg statement would be available yet. For the REO XXX XXXXXXX XXX please see the rejected status approval and denial letter for the property. No new XXX mtg was obtained. - Due Diligence Vendor-01/12/2026 <br> Open-1003 application indicates REO properties #3b and #3c with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties #3b and #3c with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/08/2026 |  | Resolved-Both REOs have been verified, one closed with the lender, and one was rejected. Condition cleared. - Due Diligence Vendor-01/13/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305026598 | Closed | 2026-01-07 08:17 | 2026-01-12 14:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Verified 1 REO closed with the lender and 1 REO was rejected. Condition cleared. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-1/12 XXX: Please see the attached final CD and Note for the property at XXXX X XXXXXXXX XX. Please note that the purchase of the property at XXX XXXXXXX XXX was not completed, and a copy of the Denial Letter and evidence of the loan's Rejected status have been included to confirm. - Due Diligence Vendor-01/12/2026 <br> Open-1003 application indicates 2 REO properties with new mortgages with the lender. A copy of the Note and or final closing disclosure for the 2 new mortgages reflected on the 1003 application are missing.<br> - Due Diligence Vendor-01/07/2026 |  | Resolved-Verified 1 REO closed with the lender and 1 REO was rejected. Condition cleared. - Due Diligence Vendor-01/12/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304909608 | Closed | 2026-01-20 17:08 | 2026-02-18 05:21 | Resolved | 1 - Information | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-XXXX statement received and cleared. - Due Diligence Vendor-02/18/2026 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/11/26 - XX: Please see attached. - Due Diligence Vendor-02/11/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Per lender guidelines, assets must be sourced and seasoned for a minimum of 60 days. The file is missing two consecutive months of bank statements for the account ending in XXXX—only one month was provided. Without the additional statements, the borrower is short on cash to close and required reserves. - Due Diligence Vendor-01/20/2026 |  | Resolved-Oct statement received and cleared. - Due Diligence Vendor-02/18/2026 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-02/18/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305030647 | Closed | 2026-02-05 18:00 | 2026-02-05 18:47 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/06/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/06/2026 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 304993657 | Closed | 2025-12-24 04:52 | 2026-01-07 07:07 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title with coverage of $XXX,XXX received and cleared. - Due Diligence Vendor-01/07/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/07/2026 <br> Ready for Review-1/6 XX please see attached - Due Diligence Vendor-01/06/2026 <br> Counter-Please provide verification that the title policy covers the loan amount. Per XXX Investor Flex Underwriting Guides - The amount of title insurance coverage on the final title policy must be at least equal to the original principal amount of the mortgage. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-1/6 XX per XXXXX at XXX, these conditions are to be waived and not a Grade C, please refer to XXX if needed, please waive thank you - Due Diligence Vendor-01/06/2026 <br> Open-Title Coverage Amount of $XXXXXX.XX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-12/24/2025 |  | Resolved-Updated title with coverage of $XXX,XXX received and cleared. - Due Diligence Vendor-01/07/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/07/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305012671 | Closed | 2026-02-20 18:14 | 2026-02-26 16:07 | Resolved | 1 - Information | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Guidelines do not require documentation of the receipt of funds. Finding resolved. - Due Diligence Vendor-02/26/2026 <br> Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-02/26/2026 <br> Ready for Review-2/24 XX: Per the guidelines: " When used for the down payment or closing costs, if the value of the asset (as determined above) is at least 20% more than the amount of funds needed for the down payment and closing costs, no documentation of the borrower's actual receipt of funds realized from the sale or liquidation is required." Since the total balance of $XXX,XXX.XX exceeds the $XX,XXX.XX + Reserves of $XX,XXX.XX, liquidation is not required here. - Due Diligence Vendor-02/24/2026 <br> Open-Asset Qualification Does Not Meet Guideline Requirements XXXX statement used for funds to close. According to the lender guidelines, the withdrawal and borrower's receipt of funds required. - Due Diligence Vendor-02/21/2026 |  | Resolved-Guidelines do not require documentation of the receipt of funds. Finding resolved. - Due Diligence Vendor-02/26/2026 <br>Resolved-Asset Qualification Meets Guideline Requirements - Due Diligence Vendor-02/26/2026 |  |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305034617 | Closed | 2026-02-06 14:10 | 2026-03-11 09:53 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received prior hazard insurance policy covering disbursement date, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/11/2026 <br> Ready for Review-03/11/26 - XX: The attached policy reflects a term covering XX/XX/XXXX - XX/XX/XXXX. - Due Diligence Vendor-03/11/2026 <br> Counter-Document provided matches hazard insurance document from the loan file, the effective date of the insurance is after the disbursement date. Finding remains - Due Diligence Vendor-03/02/2026 <br> Ready for Review-02/27/26 - XX: Please see attached. - Due Diligence Vendor-02/27/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-02/06/2026 |  | Resolved-Received prior hazard insurance policy covering disbursement date, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/11/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029236 | Closed | 2026-01-27 15:32 | 2026-03-18 10:26 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received "as is" appraisal, finding resolved. - Due Diligence Vendor-03/18/2026 <br> Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-03/18/2026 <br> Ready for Review-3/18 XX: Please see attached updated appraisal report. - Due Diligence Vendor-03/18/2026 <br> Counter-The appraiser must identify items needed for repair or provide "as is" appraisal. Any immediate or necessary repairs must be completed and re-inspected as required by guides. Finding remains - Due Diligence Vendor-02/25/2026 <br> Ready for Review-2/18 XX: XXX does understand that the appraisal does say that the appraisal is subject to completion and to see addendum for commentary. Since the appraisal has no additional commentary about what repairs need to be done and the pictures don't disclose that there is anything incomplete, are we able to proceed with the file as is. Positive factors include FICO 799 & borrower has personal funds that can equal up to 2 years in reserves. - Due Diligence Vendor-02/18/2026 <br> Counter-Appraisal and all addendums were reviewed, and the appraiser doesn't list what repairs are required. Verification of repairs and proof they have been completed are required. If repairs are not required, please provide an appraisal marked "as is". Condition remains. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-2/2 XX: The appraisal was marked subject to a final inspection however, a new appraisal is not required to show as is and the value will not be impacted. - Due Diligence Vendor-02/02/2026 <br> Open-A copy of the appraisal was provided to the Due Diligence Firm on XX/XX/XXXX; however, the appraisal was completed "subject to." A condition for a final inspection was added on XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX<br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Received "as is" appraisal, finding resolved. - Due Diligence Vendor-03/18/2026 <br>Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-03/18/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029236 | Closed | 2026-01-11 08:54 | 2026-03-18 10:25 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Appraisal provided - Due Diligence Vendor-01/27/2026 <br> Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-01/27/2026 <br> Ready for Review-01/26/26 - XX: Please see the attached appraisal which includes the comparable rent schedule - Due Diligence Vendor-01/26/2026 <br> Open-Appraisal or other primary valuation product is missing Appraisal or other primary valuation product along with rent schedule is missing - Due Diligence Vendor-01/11/2026 |  | Resolved-Appraisal provided - Due Diligence Vendor-01/27/2026 <br>Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-01/27/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305037881 | Closed | 2026-02-05 09:27 | 2026-03-02 09:19 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Final CD and proof previously F&C provided, finding resolved. - Due Diligence Vendor-03/02/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-2/27 XXX: Please note that the final CD that was provided in the loan file confirms that the property was free and clear prior to the mortgage with XXX XXXXXXXX XXX, as page 3 shows there was no prior mortgage paid off in the refinance. Please also see the attached property report to show there was no mortgage at the initial acquisition of the property in XXXX. - Due Diligence Vendor-02/27/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Verification of Mortgage (VOM) Document is incomplete for primary residence as per GL 12 months required. If property was free and clear prior to refinance, missing evidence of free and clear. - Due Diligence Vendor-02/05/2026 |  | Resolved-Final CD and proof previously F&C provided, finding resolved. - Due Diligence Vendor-03/02/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/02/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305037881 | Closed | 2026-02-23 17:58 | 2026-03-02 09:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Final Closing Disclosure received, finding resolved. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-2/27 XXX: Please see the attached CD for the property at XX XXXXXXX XX. - Due Diligence Vendor-02/27/2026 <br> Open-1003 application indicate REO properties #3c with a new mortgage with the lender. A copy of the Note and or final closing disclosure for the REO (XX XXXXXXX) reflected on the 1003 application is missing. - Due Diligence Vendor-02/23/2026 |  | Resolved-Final Closing Disclosure received, finding resolved. - Due Diligence Vendor-03/02/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305051449 | Closed | 2026-03-13 14:22 | 2026-04-01 10:18 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 777, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount.<br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 <br> Counter-Section 11 of Residential Mortgage Purchase Criteria overlay document states business assets cannot be used as reserves. Lender's rebuttal indicates an exception was granted; however, no approved exception form was uploaded. Finding remains - Due Diligence Vendor-03/19/2026 <br> Ready for Review-3/18 XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan.<br>Positive factor include FICO: 777, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. - Due Diligence Vendor-03/18/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 0 months are less than Guideline Required Reserves of 3 months due to Guideline overlays do not allow the use of business assets for reserves. - Due Diligence Vendor-03/13/2026 |  | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 777, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount.<br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 |  |  | XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 777, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305051449 | Closed | 2026-03-13 14:19 | 2026-04-01 10:17 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 777, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount.<br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 <br> Counter-Section 11 of Residential Mortgage Purchase Criteria overlay document states business assets cannot be used as reserves. Lender's rebuttal indicates an exception was granted; however, no approved exception form was uploaded. Finding remains - Due Diligence Vendor-03/19/2026 <br> Ready for Review-3/18 XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 777, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. - Due Diligence Vendor-03/18/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $X is less than Total Required Reserve Amount of $XXXX.XX. Guideline overlays do not allow the use of business assets for reserves. - Due Diligence Vendor-03/13/2026 |  | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 777, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount.<br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 |  |  | XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 777, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305047103 | Closed | 2026-02-27 15:14 | 2026-03-11 14:14 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Acknowledged-The DSCR condition can be downgraded. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Counter-Although the XXXX County tax bill does not include the solid waste tax, the tax is reflected on the title and needs to be included in the DSCR calculation. Finding remains - Due Diligence Vendor-03/04/2026 <br> Ready for Review-03/04/2026 - XX: Please see attached. Per the XXXX County website, the $XX payment for the XXXXX XXXXX tax is collected separately from the subject's property taxes. The total annual property taxes of $X,XXX.XX is correct. - Due Diligence Vendor-03/04/2026 <br> Open-DSCR of 0.999 is less than guideline minimum requirement DSCR of 1. Lender's DSCR = 1.00. DSCR variance is due to lender utilized a tax amount of $XXX.XX vs $XXX.XX per the title. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-The DSCR condition can be downgraded. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305034611 | Closed | 2026-03-02 13:25 | 2026-03-06 08:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received final Closing Disclosures for REO's reflecting closing dates of XX/XXXX, finding resolved. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-03/05 XX: see attach CDs for the REOs - Due Diligence Vendor-03/05/2026 <br> Open-1003 application indicates the following REO properties with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REOs are missing, XXXX XXXXXXX XXX, XXXX XXXXXXX XXX, and XXXX XXXXXXXX. - Due Diligence Vendor-03/02/2026 |  | Resolved-Received final Closing Disclosures for REO's reflecting closing dates of XX/XXXX, finding resolved. - Due Diligence Vendor-03/06/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305046017 | Closed | 2026-03-11 13:44 | 2026-03-17 10:32 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Copies of Notes received for REO 3d and 3e showing no payments due until XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-3/16 XX: Please see attached copy of note - Due Diligence Vendor-03/16/2026 <br> Open-1003 application indicates REO properties #3d and #3e with new mortgages financed by the lender. Copies of the Notes and/or Final Closing Disclosure, for REO properties #3d and #3e with new mortgages as reflected on the 1003 application, are missing.<br> - Due Diligence Vendor-03/11/2026 |  | Resolved-Copies of Notes received for REO 3d and 3e showing no payments due until XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/17/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305034535 | Closed | 2026-02-23 12:26 | 2026-04-16 11:39 | Waived | 2 - Non-Material | Credit | Eligibility | Transaction Ineligible | Waived- - Due Diligence Vendor-04/16/2026 <br> Acknowledged-XXX: XXX acknowledges that the borrower is a first time home buyer, however, we would like to request an exception on the loan as we believe the loan is still of credit worthiness. The qualifying FICO is 811, the DSCR is 1.50, and the borrower documented 99+ months in reserves on the file. Additionally, the property is currently listed for rent for an amount higher than what was used to qualify the loan. Please downgrade based on the comp factors noted by XXX. Client acknowledges and downgrades findings. <br> - Due Diligence Vendor-04/01/2026 <br> Open-Borrower is a first-time homebuyer. According to the lender guideline, first time homebuyers not permitted. - Due Diligence Vendor-02/23/2026 |  | Acknowledged-XXX: XXX acknowledges that the borrower is a first time home buyer, however, we would like to request an exception on the loan as we believe the loan is still of credit worthiness. The qualifying FICO is 811, the DSCR is 1.50, and the borrower documented 99+ months in reserves on the file. Additionally, the property is currently listed for rent for an amount higher than what was used to qualify the loan. Please downgrade based on the comp factors noted by XXX. Client acknowledges and downgrades findings. <br>- Due Diligence Vendor-04/01/2026 |  |  | Qualifying FICO is 811, the DSCR is 1.50, and the borrower documented 99+ months in reserves. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305038990 | Closed | 2026-03-19 15:31 | 2026-03-29 13:44 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Received copy of Settlement Statement reflecting no open mortgage along with source of funds. Meets lender's guidelines for Delayed Financing, finding resolved. - Due Diligence Vendor-03/29/2026 <br> Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/29/2026 <br> Ready for Review-03/27/2026 - XX: Please see the attached settlement statement for the purchase of the subject and bank statements reflecting payment of $XX,XXX.XX on XX/XX/XXXX - Due Diligence Vendor-03/27/2026 <br> Counter-Reviewed Lender's response indicating transaction is delayed financing but the loan file does not contain the documentation required for a delayed financing transaction. The loan file does not contain a settlement statement confirming no mortgage financing was used to obtain the subject property and is also missing the sources of funds used to acquire the property. Finding remains - Due Diligence Vendor-03/26/2026 <br> Ready for Review-03/25/26 - XX: This is a delayed financing transaction. Investor Guidelines required the file to submitted as a cash-out refinance, but the file is underwritten per rate . and term parameters. An LTV of 80% is sufficient - Due Diligence Vendor-03/25/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% . Client overlay guidelines require a maximum LTV of 75% for a Cash-out Refinance. However, the current LTV of the subject is 80%. - Due Diligence Vendor-03/20/2026 |  | Resolved-Received copy of Settlement Statement reflecting no open mortgage along with source of funds. Meets lender's guidelines for Delayed Financing, finding resolved. - Due Diligence Vendor-03/29/2026 <br>Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/29/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305053697 | Closed | 2026-03-03 17:29 | 2026-03-09 16:23 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received Notes and Final Closing Disclosures for REO's reflecting first payment due date of XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-03/09/26 - XX: Please see attached. - Due Diligence Vendor-03/09/2026 <br> Open-1003 application indicates the following REO properties with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REOs are missing, XXX-XXX XXXXXXX, XXX XXXXX, XXX XXX XX, XXX-XXXX XXXXX, XXX-XXX XXXXXXXXX, XXX XXXXXXXX . - Due Diligence Vendor-03/03/2026 |  | Resolved-Received Notes and Final Closing Disclosures for REO's reflecting first payment due date of XXXX, finding resolved. - Due Diligence Vendor-03/09/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_5.pdf<br> XXXXXXX_6.pdf<br> XXXXXXX_7.pdf<br> XXXXXXX_8.pdf<br> XXXXXXX_9.pdf<br> XXXXXXX_10.pdf<br> XXXXXXX_11.pdf<br> XXXXXXX_12.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305051378 | Closed | 2026-03-03 12:49 | 2026-03-30 16:05 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copies of Notes and final Closing Disclosures for aforementioned REO's, finding resolved. - Due Diligence Vendor-03/30/2026 <br> Ready for Review-03/30/26 - XX: Please see attached. - Due Diligence Vendor-03/30/2026 <br> Counter-Received rejection note for REO 3j; however, documentation still missing for REO 3h, 3i, 3k, 3l, 3b, 3c, and 3d. Finding remains - Due Diligence Vendor-03/12/2026 <br> Ready for Review-03/12/2026 - XX: Please see attached. Loan #XXXXXXXXXX for XXX and XXX XXX XXXXXX XX, XXXXXXXXXXX was rejected. A revised 1003 has been attached as well. - Due Diligence Vendor-03/12/2026 <br> Open-1003 application indicates XXX with a new mortgage with the lender. A copy of the Note and or final closing disclosure is in the file for all new loans except the property listed on the URLA under 3j. Please provide note and CD for this property. - Due Diligence Vendor-03/03/2026 |  | Resolved-Received copies of Notes and final Closing Disclosures for aforementioned REO's, finding resolved. - Due Diligence Vendor-03/30/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_5.pdf<br> XXXXXXX_6.pdf<br> XXXXXXX_7.pdf<br> XXXXXXX_8.pdf<br> XXXXXXX_9.pdf<br> XXXXXXX_10.pdf<br> XXXXXXX_11.pdf<br> XXXXXXX_12.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305038037 | Closed | 2026-02-18 05:10 | 2026-03-09 15:43 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Received signed Business Purpose Affidavit, finding resolved. - Due Diligence Vendor-03/09/2026 <br> Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/09/2026 <br> Ready for Review-XX 3/9 Please see attached - Due Diligence Vendor-03/09/2026 <br> Counter-Business Purpose affidavit is not signed. Finding remains - Due Diligence Vendor-02/26/2026 <br> Ready for Review-XX 2/23: Please see the attached // - Due Diligence Vendor-02/24/2026 <br> Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-02/18/2026 |  | Resolved-Received signed Business Purpose Affidavit, finding resolved. - Due Diligence Vendor-03/09/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-03/09/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305038716 | Closed | 2026-02-27 08:10 | 2026-03-06 14:05 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received foundation inspection report which concluded no recommendation of any foundation work or repairs and that the home appears to be structurally sound and the foundation is performing as intended. Finding resolved - Due Diligence Vendor-03/06/2026 <br> Ready for Review-03/06 XX: An inspection report was provided following the appraiser's recommendation. The inspection, conducted by XXXXXXXXXXX XXXXX, XXX, concluded with the statement: 'I am not recommending any foundation work or repairs at this time. The home appears to be structurally sound and the foundation is performing as intended.' A 1004D form is not required; an inspection report will suffice, as both the inspector and the appraiser have indicated that there are no issues needing repair.<br> - Due Diligence Vendor-03/06/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis . Appraisal was completed subject to inspection from a qualified contractor. Inspection provided. An updated Appraisal and or 1004 D is missing. - Due Diligence Vendor-03/03/2026 |  | Resolved-Received foundation inspection report which concluded no recommendation of any foundation work or repairs and that the home appears to be structurally sound and the foundation is performing as intended. Finding resolved - Due Diligence Vendor-03/06/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305051371 | Closed | 2026-02-25 11:34 | 2026-03-06 12:24 | Resolved | 1 - Information | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood insurance received, finding resolved. - Due Diligence Vendor-03/06/2026 <br> Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/06/2026 <br> Ready for Review-3/5 XX: Since this property is a condo. There is a master flood insurance policy in the file. - Due Diligence Vendor-03/05/2026 <br> Open-Missing Flood Insurance Policy - Due Diligence Vendor-02/25/2026 |  | Resolved-Flood insurance received, finding resolved. - Due Diligence Vendor-03/06/2026 <br>Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-03/06/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305042045 | Closed | 2026-03-06 13:41 | 2026-03-11 12:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 2 | Resolved-Received copies of Final Closing Disclosures showing no payments due until XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-03/11 XX: Please see the attachment for the final CD for both REOs. - Due Diligence Vendor-03/11/2026 <br> Open-1003 application indicates the following REO properties with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REOs are missing, XXXX XXXXXXX XXX and XXXX XXXXX XXXXX. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received copies of Final Closing Disclosures showing no payments due until XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/11/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Rate and Term | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305042045 | Closed | 2026-03-06 13:44 | 2026-03-11 12:46 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 3 | Resolved-Received Final Closing Disclosure reflecting borrower as owner, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-03/11 XX: Please see the attachment showing the ownership - Due Diligence Vendor-03/11/2026 <br> Open-Missing verification of borrower's ownership of REO XXXX XXXXXXX (XXX XXX) - Due Diligence Vendor-03/06/2026 |  | Resolved-Received Final Closing Disclosure reflecting borrower as owner, finding resolved. - Due Diligence Vendor-03/11/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Rate and Term | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305042045 | Closed | 2026-03-06 13:41 | 2026-03-11 12:42 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received corrected application, copy of lease and 12-month payment history for the primary residence, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-03/11 XX: The borrower's current primary residence is XXXX XXXXXXXXXX XX, as confirmed by the lease agreement and the payments made to the landlord. Please refer to the attached document for evidence of the borrower's 12-month payment history. It should be noted that the closing disclosure initially generated by XXX contained an incorrect address for the primary residence, which has now been corrected. - Due Diligence Vendor-03/11/2026 <br> Open-1003 application indicates the subject property as the borrower's primary residence. Appraisal indicates the property is vacant, missing evidence of borrower's primary residence as well as a 12 month housing history - Due Diligence Vendor-03/06/2026 |  | Resolved-Received corrected application, copy of lease and 12-month payment history for the primary residence, finding resolved. - Due Diligence Vendor-03/11/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Refinance | Rate and Term | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305042043 | Closed | 2026-03-05 16:07 | 2026-03-10 17:40 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Borrower's primary residence is the property on XXXXXXXXXX, received updated application, copy of lease agreement and copies of cancelled checks for payment history on primary residence. Finding resolved - Due Diligence Vendor-03/10/2026 <br> Ready for Review-03/10/26 - XX: Please see the attached revised 1003 and documentation supporting the borrower's rental payment history for XXXX XXXXXXXXXX XX - Due Diligence Vendor-03/10/2026 <br> Open-1003 application indicates the subject property as the borrower's primary residence. Appraisal indicates the property is vacant, missing evidence of borrower's primary residence as well as a 12-month housing history. - Due Diligence Vendor-03/05/2026 |  | Resolved-Borrower's primary residence is the property on XXXX, received updated application, copy of lease agreement and copies of cancelled checks for payment history on primary residence. Finding resolved - Due Diligence Vendor-03/10/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305042043 | Closed | 2026-03-05 16:08 | 2026-03-10 17:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing VOM or VOR | Resolved-12-month housing payment history for primary residence received, finding resolved. - Due Diligence Vendor-03/10/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/10/2026 <br> Ready for Review-03/10/26 - XX: Please see attached. - Due Diligence Vendor-03/10/2026 <br> Open-Missing a 12-month housing history for borrower's primary residence. - Due Diligence Vendor-03/05/2026 |  | Resolved-12-month housing payment history for primary residence received, finding resolved. - Due Diligence Vendor-03/10/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/10/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305042043 | Closed | 2026-03-05 16:55 | 2026-03-10 17:19 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 2 | Resolved-Received copies of Notes and Closing Disclosures for properties on XXXXXX and XXXXX, finding received. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-03/10/26 - XX: Please see attached. - Due Diligence Vendor-03/10/2026 <br> Open-1003 application indicates the following REO properties with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REOs are missing, XXXX XXXXXX XXX and XXXX XXXXX XXXXX. - Due Diligence Vendor-03/05/2026 |  | Resolved-Received copies of Notes and Closing Disclosures for properties on XXXX, finding received. - Due Diligence Vendor-03/10/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305059708 | Closed | 2026-03-16 15:22 | 2026-03-29 14:10 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received documentation that the property on XXX XXXXXX XXXXX is not owned by the borrower, finding resolved. - Due Diligence Vendor-03/29/2026 <br> Ready for Review-03/27/2026 - XX: Please see attached. The loan for the purchase of XXXX XXX XXXXXX XXXXX, XXXXXXX XXXX, XX XXXXX was never submitted to underwriting, and the property detail report confirms the property had not been purchased by the borrower. - Due Diligence Vendor-03/27/2026 <br> Counter-The property located on XXX XXXXXX is not shown on the loan application but was identified on other documents in the loan file. Finding remains - Due Diligence Vendor-03/23/2026 <br> Ready for Review-03/23/26 - XX: Please provide additional clarification. The borrower's loan application does not reflect ownership of any properties with a street name of XXX XXXXXX XXXXX. - Due Diligence Vendor-03/23/2026 <br> Open-Missing final closing disclosure or Note for recent purchase with the current lender for property located on XXX XXXXXX XXXXX. - Due Diligence Vendor-03/18/2026 |  | Resolved-Received documentation that the property on XXX XXXXXXX XXXXX is not owned by the borrower, finding resolved. - Due Diligence Vendor-03/29/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305053696 | Closed | 2026-03-03 08:45 | 2026-03-12 17:39 | Resolved | 1 - Information | Credit | Eligibility | Ineligible Borrower (Borrower 2) | Resolved-Documentation confirming B2 is not a first-time homebuyer received, finding resolved. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-3/12 XX: Please see attached third party report that confirms that Borrower 2 (XXXXX) was an owner on title in the last 5 years prior to the transfer to XXX XXXXXXXXXX Due Diligence Vendor-03/12/2026 <br> Open-Borrower 2 is a first-time homebuyer, which is ineligible. - Due Diligence Vendor-03/03/2026 |  | Resolved-Documentation confirming B2 is not a first-time homebuyer received, finding resolved. - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305053696 | Closed | 2026-03-03 08:42 | 2026-03-11 13:55 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Counter-Reviewed Lender's rebuttal regarding the use of business assets for reserves. The Asset Eligibility Notes, Section 11, indicate business assets cannot be used as reserves. Finding remains - Due Diligence Vendor-03/06/2026 <br> Ready for Review-03/06 XX: According to the established guidelines with XX and XXX, we are permitted to utilize business assets to meet the required reserves. - Due Diligence Vendor-03/06/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Lender overlays don't allow for business assets to be used for reserves. The only assets in the file are business assets. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305053696 | Closed | 2026-03-03 08:43 | 2026-03-11 13:52 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Counter-Reviewed Lender's rebuttal regarding the use of business assets for reserves. The Asset Eligibility Notes, Section 11, indicate business assets cannot be used as reserves. Finding remains - Due Diligence Vendor-03/06/2026 <br> Ready for Review-03/06 XX: According to the established guidelines with XXX and XXX, we are permitted to utilize business assets to meet the required reserves. - Due Diligence Vendor-03/06/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Lender overlays don't allow for business assets to be used for reserves. The only assets in the file are business assets. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305054682 | Closed | 2026-03-04 12:18 | 2026-03-30 16:37 | Resolved | 1 - Information | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received evidence the limited POA was recorded along with the Mortgage, finding resolved. - Due Diligence Vendor-03/30/2026 <br> Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-03/30/2026 <br> Ready for Review-XX 3/30 Please see attached. - Due Diligence Vendor-03/30/2026 <br> Open-Trust/POA Does Not Meet Guideline Requirements. A limited Power of Attorney (POA) was utilized. According to the lender guidelines the POA is acceptable when the following requirements are met, POA is recorded with the mortgage. Missing evidence the POA was recorded with the mortgage. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received evidence the limited POA was recorded along with the Mortgage, finding resolved. - Due Diligence Vendor-03/30/2026 <br>Resolved-Trust/POA Meets Guideline Requirements - Due Diligence Vendor-03/30/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305054682 | Closed | 2026-03-04 12:46 | 2026-03-04 12:56 | Waived | 2 - Non-Material | Property | Property | Ineligible Property | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. <br> Condominiums less than 600 square feet are not allowed. The subject property is a 599 sq ft condo. A lender exception is present in the loan file, dated after consummation, providing adequate comp factors. <br> - Due Diligence Vendor-03/04/2026 |  | Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. <br> Condominiums less than 600 square feet are not allowed. The subject property is a 599 sq ft condo. A lender exception is present in the loan file, dated after consummation, providing adequate comp factors. <br> - Due Diligence Vendor-03/04/2026 |  |  | Compensating factors: 792 FICO, additional 10 months reserves. | XX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXXX | XXXXX | XXXXX | 305063739 | Closed | 2026-03-18 17:29 | 2026-03-18 17:31 | Waived | 2 - Non-Material | Credit | Eligibility | Ineligible Property Type | Waived-Property type is ineligible due to Property is zoned mixed use. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/18/2026 |  | Waived-Property type is ineligible due to Property is zoned mixed use. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. Finding is non-material, and loan will be graded a B.<br> - Due Diligence Vendor-03/18/2026 |  |  | LTV 75%<br> DSCR 1.25<br> FICO 682<br> Reserves $XXX,XXX.XX (3 mon = $XXXX.XX + $XXX,XXX.XX surplus) | XX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXXX | XXXXX | XXXXX | 305056849 | Closed | 2026-03-18 06:46 | 2026-03-23 15:38 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-12 month payment history received for REO 3d, finding resolved. - Due Diligence Vendor-03/23/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-03/23/26 - XX: Please see attached. The refinance of XXXX X XXXXXXXXX via loan #XXXXXXXXXX was rejected due to the property being mixed use and ineligible. Please see the attached mortgage payment history for the XXX XXXXXXXX xXXXX. - Due Diligence Vendor-03/23/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Housing History Does Not Meet Guideline Requirements copy of the Note and/or Final Closing Disclosure was not provided for the recent refinance of the borrower's other real estate-owned property. REO#3d, XXXX X XXXXXXXXX XX. - Due Diligence Vendor-03/18/2026 |  | Resolved-12 month payment history received for REO 3d, finding resolved. - Due Diligence Vendor-03/23/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/23/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305054929 | Closed | 2026-03-04 08:10 | 2026-03-17 10:03 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-The loan file contains a copy of the Note and corresponding bank statements reflecting payment history, finding resolved. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-3/16 XX: There was a settlement statement in the file from XX/XXXX for the property XXXXX XXXXXXXXXXX XXXX however the buyer is a XXX. The borrower did disclose that a NEW XXX XXX would be opened for this home but it was not finalized. Please see attached document from XXX that shows it was rejected. - Due Diligence Vendor-03/16/2026 <br> Open-1003 application reveals a recently opened mortgage on REO located at XXXXX XXXXXXXXXX XX. Although a copy of the Settlement Statement was provided, it does not disclose either an account number, or a monthly payment, to match to the monthly payments documented on XXXX XXXXXXX XXXXXX XXXXX, neither of which coincide with the payment disclosed on the 1003 application for the new mortgage with XXX. An acceptable payment history is therefore considered to be missing. - Due Diligence Vendor-03/04/2026 |  | Resolved-The loan file contains a copy of the Note and corresponding bank statements reflecting payment history, finding resolved. - Due Diligence Vendor-03/17/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305046014 | Closed | 2026-03-13 13:47 | 2026-03-20 10:57 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copy of Note and final Closing Disclosure for REO on XXXX, finding resolved - Due Diligence Vendor-03/20/2026 <br> Ready for Review-03/20/26 - XX: Please see attached. - Due Diligence Vendor-03/20/2026 <br> Open-1003 application discloses an additional REO property located at XXXX XXXXXXXX XXXXX that was financed by new mortgage with the lender. Copy of the Note, Final Closing Disclosure, or Mortgage Payment History for this additional Real Estate Owned is missing.<br> - Due Diligence Vendor-03/13/2026 |  | Resolved-Received copy of Note and final Closing Disclosure for REO on XXXX, finding resolved - Due Diligence Vendor-03/20/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305047091 | Closed | 2026-03-11 14:05 | 2026-03-17 08:35 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/17/2026 <br> Resolved-Copy of Note received for REO 3c, finding resolved. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-3/16 XXX: Please see attached note for property XX XXXX XXXX XXX XXXXXX XXX, XXXXXXXX XXXXX - Due Diligence Vendor-03/16/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing copy of Note for new loan for REO 3c reflecting no payments currently due. - Due Diligence Vendor-03/11/2026 |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/17/2026 <br>Resolved-Copy of Note received for REO 3c, finding resolved. - Due Diligence Vendor-03/17/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305047089 | Closed | 2026-03-05 19:23 | 2026-03-12 10:17 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copy of Note and final Closing Disclosure for REO 3c, finding resolved. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-03/11/26 - XX: Please see attached. - Due Diligence Vendor-03/11/2026 <br> Open-1003 application indicates the following REO property with a new mortgage with the lender. A copy of the Note and or final closing disclosure for the REO XX XXXXX XXXXX XXX. is missing. - Due Diligence Vendor-03/06/2026 |  | Resolved-Received copy of Note and final Closing Disclosure for REO 3c, finding resolved. - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305054990 | Closed | 2026-03-02 13:21 | 2026-03-11 13:20 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received payment history from XX/XXXX - XX/XXXX for subject along with copy of Note for REO 3h showing no payment until XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-3/11 XX: Please see attached payment history for the REO XXXX XX XXXX XXX - Due Diligence Vendor-03/11/2026 <br> Counter-Reviewed lender's rebuttal regarding payment history for the subject property. The payment history for the subject property from XX/XXXX - XX/XXXX is still missing. Received copy of Note for REO XX. Finding remains - Due Diligence Vendor-03/06/2026 <br> Ready for Review-3/5 XX: Please see the attached note for the property that is under XX XXXX XX XXXX XXX that shows the mtg just closed on XX/XX/XXXX making the 1st payment XX/XX/XXXX. For the property reporting on XX XXXX XXXXXXXXX XXXX XXXXXX XXXXX, XXXXXXX XXXXX Please see attached note showing it closed on XX/XXXX making the first payment XX/XXXX. There would not be a 12 month history to provide. - Due Diligence Vendor-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Guidelines require a 12-month payment history (or since origination, whichever is less) for all mortgages (including subordinate liens). The following REO listed on the final loan application did not contain a housing history: subject property REO listed on 3a, and REO listed on 3h. If the REO properties listed did not require a mortgage payment; then, provide a copy of the note reflecting that no payments are required. - Due Diligence Vendor-03/02/2026 |  | Resolved-Received payment history from XX/XXXX - XX/XXXX for subject along with copy of Note for REO 3h showing no payment until XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/11/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305054990 | Closed | 2026-02-24 18:00 | 2026-03-06 10:26 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copy of Note for REO 3h showing first payment due date of XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-3/5 XX: Please see attached note - Due Diligence Vendor-03/05/2026 <br> Open-1003 application indicates REO property #3h with a new mortgage with the subject lender. A copy of the Note and or final closing disclosure for REO property #3h with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/25/2026 |  | Resolved-Received copy of Note for REO 3h showing first payment due date of XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/06/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305047520 | Closed | 2026-02-28 15:44 | 2026-03-09 16:39 | Resolved | 1 - Information | Credit | Missing Doc | Flood Certificate Partially Provided | Resolved-The Flood Cert does not contain a Map Number or Community-Panel Number. Loan meets guidelines, finding resolved. - Due Diligence Vendor-03/09/2026 <br> Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/09/2026 <br> Ready for Review-03/09/2026 - XX: The NFIP Map Panel Effective/Revision section is blank due to there being no NFIP Map Number, which is reflected in boxes #1 and #5. The provided flood cert is complete. - Due Diligence Vendor-03/09/2026 <br> Open-Flood Certificate is Partially Provided NFIP Map Panel Effective/Revised Date is missing in Flood certificate. - Due Diligence Vendor-02/28/2026 |  | Resolved-The Flood Cert does not contain a Map Number or Community-Panel Number. Loan meets guidelines, finding resolved. - Due Diligence Vendor-03/09/2026 <br>Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/09/2026 |  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305047520 | Closed | 2026-03-03 18:42 | 2026-03-09 16:35 | Resolved | 1 - Information | Credit | Missing Doc | Missing Operating Agreement | Resolved-Received evidence of borrower's ownership in borrowing entity, finding resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-03/09/26 - XX: Please see the attached corporate resolution for XXXX XXXXXXXX, XXX. - Due Diligence Vendor-03/09/2026 <br> Open-The loan file is missing an operating agreement or other documentation to verify ownership. Missing Operating Agreement for business (XXXX XXXXXXXX). - Due Diligence Vendor-03/04/2026 |  | Resolved-Received evidence of borrower's ownership in borrowing entity, finding resolved. - Due Diligence Vendor-03/09/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305047864 | Closed | 2026-03-13 06:59 | 2026-03-19 09:00 | Resolved | 1 - Information | Credit | Missing Doc | Missing Borrowing Entity of Evidence of Good Standing | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/19/2026 <br> Ready for Review-3/18 XX: Please see attached document - Due Diligence Vendor-03/18/2026 <br> Open-Missing Evidence of Good Standing. - Due Diligence Vendor-03/13/2026 |  | Resolved-Evidence of Good Standing provided - Due Diligence Vendor-03/19/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305056845 | Closed | 2026-03-13 10:18 | 2026-03-24 13:39 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received rent-free letter and evidence the primary residence is not owned by the borrower, finding resolved. - Due Diligence Vendor-03/24/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-3/24 XX: Please see attached LOX from borrower confirming that he lives with his XXXX and does not pay on her mortgage or paying monthly payment. I have also attached the mtg note to the current primary to show our borrower is not obligated. - Due Diligence Vendor-03/24/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Borrower staying in No primary Housing expenses, LOE was not provided. - Due Diligence Vendor-03/13/2026 |  | Resolved-Received rent-free letter and evidence the primary residence is not owned by the borrower, finding resolved. - Due Diligence Vendor-03/24/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/24/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305055828 | Closed | 2026-03-20 11:42 | 2026-03-25 17:20 | Resolved | 1 - Information | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received documentation from the bank reflecting the borrower as an active user of the account, finding resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/25/2026 <br> Ready for Review-03/25/26 - XX: Please see attached. The borrower is listed as an authorized and active manager of the XXXX business account ending xXXXX. - Due Diligence Vendor-03/25/2026 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing access letter from non-borrowing owners for business account #XXXX. - Due Diligence Vendor-03/20/2026 |  | Resolved-Received documentation from the bank reflecting the borrower as an active user of the account, finding resolved. - Due Diligence Vendor-03/25/2026 <br>Resolved-Asset Record 3 Meets G/L Requirements Or Not Applicable - Due Diligence Vendor-03/25/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305055828 | Closed | 2026-03-13 06:22 | 2026-03-25 17:05 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-03/25/2026 - XX: Please see the attached FHLMC SSRs reflecting an LCA risk score of 1. - Due Diligence Vendor-03/25/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/13/2026 |  | Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/25/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305051873 | Closed | 2026-03-15 10:52 | 2026-03-19 08:33 | Resolved | 1 - Information | Credit | Closing | Evidence of Good Standing age exceeds guidelines | Resolved-Updated evidence of good standing received, finding resolved. - Due Diligence Vendor-03/19/2026 <br> Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days is within guidelines. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-3/18 XX: Please see attached document - Due Diligence Vendor-03/18/2026 <br> Open-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days exceeds guidelines. Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of XXXX days exceeds guidelines. - Due Diligence Vendor-03/15/2026 |  | Resolved-Updated evidence of good standing received, finding resolved. - Due Diligence Vendor-03/19/2026 <br> Resolved-Evidence of Good Standing in file is dated XX/XX/XXXX and note is dated XX/XX/XXXX. Document age of days is within guidelines. - Due Diligence Vendor-03/19/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305057542 | Closed | 2026-03-03 18:33 | 2026-03-11 09:09 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Sufficient documentation provided for REO properties on XXXXXXXX and XXXX XXXXXX, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/11/2026 <br> Ready for Review-03/09 XX: Please see attachment for XXXXXXXX XXX showing this loan was rejected. <br> - Due Diligence Vendor-03/11/2026 <br> Open-Housing History Does Not Meet Guideline Requirements XXXX Ave Refinance: Please provide the Note and/or Final Closing Disclosure from the recent refinance. XXXX XXXXXX XXXXXXXX: We need a copy of the Note for the private lien held by XXXX XXXXXXX. This is required to verify that no monthly payments were due prior to it being paid off during the most recent refinance.<br> - Due Diligence Vendor-03/04/2026 |  | Resolved-Sufficient documentation provided for REO properties on XXXXXXXX and XXXX XXXXXX, finding resolved. - Due Diligence Vendor-03/11/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/11/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305054926 | Closed | 2026-03-12 11:47 | 2026-03-18 09:33 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received copies of Notes for REO 3b and 3c showing first payment due date of XX/XX/XXXX. Finding resolved - Due Diligence Vendor-03/18/2026 <br> Ready for Review-3/17 XX: Please see attached notes for the properties identified as 3d & 3c - Due Diligence Vendor-03/17/2026 <br> Open-1003 application discloses 2 additional REO properties, identified as #3b and #3c, financed by new mortgages with the lender. Copies of the Notes, Final Closing Disclosures, or Mortgage Payment Histories for these additional Real Estate Owned are missing.<br> - Due Diligence Vendor-03/12/2026 |  | Resolved-Received copies of Notes for REO 3b and 3c showing first payment due date of XX/XX/XXXX. Finding resolved - Due Diligence Vendor-03/18/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305062330 | Closed | 2026-03-19 14:39 | 2026-04-01 10:11 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-MM: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades finding<br> - Due Diligence Vendor-04/01/2026 <br> Counter-Reviewed Lender's rebuttal regarding an approved exception request; however, no approved exception form was uploaded. Please upload approved exception. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-3/24 XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. - Due Diligence Vendor-03/24/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 0 months are less than Guideline Required Reserves of 3 months. Guideline overlays do not allow the use of business funds for reserves. - Due Diligence Vendor-03/19/2026 |  | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades finding<br> - Due Diligence Vendor-04/01/2026 |  |  | XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305062330 | Closed | 2026-03-19 14:37 | 2026-04-01 10:10 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades finding<br> - Due Diligence Vendor-04/01/2026 <br> Counter-Reviewed Lender's rebuttal regarding an approved exception request; however, no approved exception form was uploaded. Please upload approved exception. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-3/24 XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. - Due Diligence Vendor-03/24/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Guideline overlays do not allow the use of business funds for reserves. - Due Diligence Vendor-03/19/2026 |  | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades finding<br> - Due Diligence Vendor-04/01/2026 |  |  | XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305061013 | Closed | 2026-03-04 06:12 | 2026-03-09 17:14 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received evidence of XXXXXXXX and XXXX rent payments along with a DataTree report that does not show any open liens for property on XXXX, finding resolved. - Due Diligence Vendor-03/09/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-03/09 XX: Please see attach document showing the rent amount and the non-ownership. - Due Diligence Vendor-03/09/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. 12 Months of mortgage history missing for Borrower Primary Residence. The loan file contains 10 months bank statements verifying rent payments for XX/XXXX - XX/XXXX and XX/XXXX - XX/XXXX and contained a LOE from Landlord and Borrower indicating XXXXXXXX and XXXX payments had rent adjustments due to maintenance. Missing XXXXXXXX and XXXX bank statements to verify rent payments for those 2 months verifying a 12-month rental history and supporting the LOE for rent adjustments. In addition, verification of mortgage on property XXXX XXXXXX XXX or verification the property is owned free and clear was not found in file. - Due Diligence Vendor-03/04/2026 |  | Resolved-Received evidence of XXXXXXXX and XXXX rent payments along with a XXXXXX report that does not show any open liens for property on XXXXXX, finding resolved. - Due Diligence Vendor-03/09/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/09/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305060668 | Closed | 2026-03-05 03:09 | 2026-04-01 10:19 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. <br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 <br> Counter-Section 11 (Asset Eligibility Notes) of client overlays document states business assets cannot be used as reserves. Finding remains - Due Diligence Vendor-03/12/2026 <br> Ready for Review-03/12/26 - XX: The agreed upon guidelines between XXX and XXX does not list business assets as an unacceptable source of funds for reserves. - Due Diligence Vendor-03/12/2026 <br> Open-Audited Reserves of 0.07 month(s) are less than Guideline Required Reserves of 3 month(s) . Lender overlays don't allow for business assets to be used for reserves. - Due Diligence Vendor-03/09/2026 |  | Acknowledged-XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. <br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 |  |  | XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305060668 | Closed | 2026-03-05 03:03 | 2026-04-01 10:19 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. <br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 <br> Counter-Section 11 (Asset Eligibility Notes) of client overlays document states business assets cannot be used as reserves. Finding remains - Due Diligence Vendor-03/12/2026 <br> Ready for Review-03/12/26 - XX: The agreed upon guidelines between XXX and XXX does not list business assets as an unacceptable source of funds for reserves. - Due Diligence Vendor-03/12/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $XXX.X is less than Total Required Reserve Amount of $XXXX.X . Lender overlays don't allow for business assets to be used for reserves. - Due Diligence Vendor-03/09/2026 |  | Acknowledged-XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. <br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 |  |  | XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305042048 | Closed | 2026-03-22 09:44 | 2026-04-23 13:28 | Resolved | 1 - Information | Property | Value | Missing Valuation Review Product - 1 | Resolved-A second full appraisal was received, finding resolved. - Due Diligence Vendor-03/25/2026 <br> Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-03/25/26 - XX: A second full appraisal dated XX/XX/XXXX was obtained as a secondary valuation. Please see attached. - Due Diligence Vendor-03/25/2026 <br> Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/22/2026 |  | Resolved-A second full appraisal was received, finding resolved. - Due Diligence Vendor-03/25/2026 <br>Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-03/25/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305042048 | Closed | 2026-03-25 16:25 | 2026-04-23 13:28 | Resolved | 1 - Information | Property | Appraisal | The appraiser was not licensed (Primary Value) | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/25/2026 <br>Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date - Due Diligence Vendor-03/25/2026 |  | Resolved-Primary Value appraiser's license was effective prior to the Valuation Date and expired after the Valuation Date Or Primary Valuation Is Not Selected Or Appraiser License Dates Are Not Provided - Due Diligence Vendor-03/25/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305070041 | Closed | 2026-03-26 12:51 | 2026-03-31 11:12 | Resolved | 1 - Information | Credit | Missing Doc | HO6 Insurance Policy is Partial | Resolved-Received premium for HO-6 insurance, finding resolved. - Due Diligence Vendor-03/31/2026 <br> Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/31/2026 <br> Ready for Review-03/31 XX: Please find attached the previous insurance policy, which indicates a premium of $XXX.XX. We can use the policy number from this document to link it to the current insurance. - Due Diligence Vendor-03/31/2026 <br> Open-HO-6 Insurance Policy Partially Provided Missing evidence of hazard insurance premium. - Due Diligence Vendor-03/26/2026 |  | Resolved-Received premium for HO-6 insurance, finding resolved. - Due Diligence Vendor-03/31/2026 <br>Resolved-HO-6 Insurance Policy is fully present - Due Diligence Vendor-03/31/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305056363 | Closed | 2026-03-17 15:01 | 2026-03-23 13:59 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Received copy of Note and final Closing Disclosure for lien #2 on REO 3h, finding resolved. - Due Diligence Vendor-03/23/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-3/20 XX: Please see attached note/CD for the REO XXX X XXXXXX XXX XXXXXXXXXX, XXXXXXXX XXXXX. - Due Diligence Vendor-03/20/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Missing Note and final CD for lien #2 on REO 3h. - Due Diligence Vendor-03/17/2026 |  | Resolved-Received copy of Note and final Closing Disclosure for lien #2 on REO 3h, finding resolved. - Due Diligence Vendor-03/23/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/23/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304897449 | Closed | 2026-01-09 13:27 | 2026-01-12 11:22 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/09/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/09/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 304874817 | Closed | 2026-01-25 16:54 | 2026-02-18 10:15 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 2 | Resolved-According to the lender the borrower does not own this property. The final 1003 application does not reflect the property. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/4 XX: This was not reflected on the final 1003, borrower does not own this property. - Due Diligence Vendor-02/04/2026 <br> Counter-The full address is XXXX XXXXXX XXXX, XXXXXXXXX XX - reflected on the initial 1003 dated XX/XX/XXXXX as property 3c. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: Please clarify full address of the REO in question, 1003 did not include any REOs on XXXXXX XX and we are unsure where this is coming from - Due Diligence Vendor-01/29/2026 <br> Open-Missing evidence REO XXXXXXX XX is owned free and clear. - Due Diligence Vendor-01/25/2026 |  | Resolved-According to the lender the borrower does not own this property. The final 1003 application does not reflect the property. - Due Diligence Vendor-02/18/2026 |  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304874817 | Closed | 2026-01-25 16:53 | 2026-01-30 14:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-The Closing Disclosures for all five recently closed loans have been provided, condition resolved. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-1/29 XX: See attached CDs - Due Diligence Vendor-01/29/2026 <br> Open-1003 application indicates REO properties # 3c, 3d, 3e, 3f, and 3g with a new mortgage with the lender. A copy of the Note and or final closing disclosure for the REOS with new mortgages as reflected on the 1003 application is missing. - Due Diligence Vendor-01/25/2026 |  | Resolved-The Closing Disclosures for all XXXX recently closed loans have been provided, condition resolved. - Due Diligence Vendor-01/30/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304875241 | Closed | 2026-01-14 17:51 | 2026-01-26 20:22 | Resolved | 1 - Information | Credit | Missing Doc | Missing Payoff Statement for prior loan | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-1/23 XX: Please see attached document - Due Diligence Vendor-01/24/2026 <br> Open-Missing payoff statement for prior loan. Payoff statement not found in file and is required - Due Diligence Vendor-01/14/2026 |  | Resolved-Payoff Statement for prior loan provided. - Due Diligence Vendor-01/27/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305027360 | Closed | 2026-01-29 15:49 | 2026-01-29 15:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/29/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305027514 | Closed | 2026-01-16 10:59 | 2026-01-25 15:26 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements | Resolved-. - Due Diligence Vendor-01/25/2026 <br> Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/25/2026 <br> Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements The AUS required proof that past due payment have been satisfied prior to or at closing. Missing proof that Liability #5 (XXXXXXX XXXX opened XX/XXXX ending in XXXXX) has been brought up to date. The credit supplement dated XX/XX/XXXX did not address this account. - Due Diligence Vendor-01/16/2026 |  | Resolved-. - Due Diligence Vendor-01/25/2026 <br>Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/25/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305027514 | Closed | 2026-01-15 09:23 | 2026-01-25 15:23 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received updated credit report. Condition cleared. - Due Diligence Vendor-01/25/2026 <br> Ready for Review-1/23 XX: Please see attached credit supplement that the XXXX loan has been closed and satisfied. - Due Diligence Vendor-01/24/2026 <br> Open-The AUS required proof that past due payment have been satisfied prior to or at closing. Missing proof that Liability #5 (XXXXXXX XXXX opened XX/XXXX ending in XXXXX) has been brought up to date. The credit supplement dated XX/XX/XXXX did not address this account. - Due Diligence Vendor-01/15/2026 |  | Resolved-Received updated credit report. Condition cleared. - Due Diligence Vendor-01/25/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304898181 | Closed | 2025-12-19 08:24 | 2026-01-05 08:29 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated title with coverage amount of $XXX,XXX received and cleared. - Due Diligence Vendor-01/05/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Title Policy - Due Diligence Vendor-01/02/2026 <br> Open-Title Coverage Amount of $XXXXXX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-12/19/2025 |  | Resolved-Updated title with coverage amount of $XXX,XXX received and cleared. - Due Diligence Vendor-01/05/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX - Due Diligence Vendor-01/05/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305013582 | Closed | 2026-01-06 12:15 | 2026-01-14 15:08 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-XXX additional REO on URLA verified with final CDs. Condition cleared. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-1/14 XX: CDs for all attached. No mortgage history is required because the first payment due dates were not due before the application date. - Due Diligence Vendor-01/14/2026 <br> Open-Lender guidelines require a 12- month payment history for all mortgages. 1003 application reflect XXX REO properties #3c thru 3m and 3b, a 12-month payment history for these REO properties were not provided. - Due Diligence Vendor-01/06/2026 |  | Resolved-12 additional REO on URLA verified with final CDs. Condition cleared. - Due Diligence Vendor-01/14/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305042288 | Closed | 2026-02-12 08:51 | 2026-02-25 10:42 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Blanket verification of mortgage received, finding resolved. - Due Diligence Vendor-02/25/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-2/18 XXX: Please not that the XXXXXX XXXXXXX XXXXXXXX is a blanket mortgage that encompassed multiple properties that the borrower owned. Please see the attached VOMs to confirm that the blanket mortgage had 0 late payments in the last 12 months, along with the payoff statement for the portion that the subject transaction was paying off to confirm that the subject was included in the blanket. - Due Diligence Vendor-02/18/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM document is missing for subject property. - Due Diligence Vendor-02/12/2026 |  | Resolved-Blanket verification of mortgage received, finding resolved. - Due Diligence Vendor-02/25/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-02/25/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029169 | Closed | 2026-01-16 10:19 | 2026-01-27 16:58 | Resolved | 1 - Information | Credit | Missing Doc | Missing Resolution | Resolved-Corporate Resolution provided, condition cleared. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-1/27 XX: Please see attached document - Due Diligence Vendor-01/27/2026 <br> Counter-Operating Agreement provided. However, a Corporate Resolution is still required. Per lender guidelines under the Limited Liability Companies (LLC) section, for multi-member entities (two or more owners) in which only one member is a borrower on the loan, a Corporate Resolution must be obtained. Therefore, the condition remains. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-1/23 XX: Please see attached operating agreement - Due Diligence Vendor-01/24/2026 <br> Open-Missing Resolution. Audit was unable to locate a Corporate Resolution, which is required by lender guidelines for multi-member entities. - Due Diligence Vendor-01/16/2026 |  | Resolved-Corporate Resolution provided, condition cleared. - Due Diligence Vendor-01/27/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029169 | Closed | 2026-01-12 13:31 | 2026-01-26 19:44 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Per the appraisal under Physical Deficiencies or Adverse Conditions, the appraiser noted they are not a structural expert and observed moisture-related staining, recommending further evaluation by a qualified professional. A licensed professional has since provided confirmation that the basement is dry and free of mold. Although the confirmation letter is not on business letterhead, a printout of the company's website was provided, and the final CD reflects a Home Inspection fee paid to the same company. Condition is cleared. - Due Diligence Vendor-01/27/2026 <br> Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-01/27/2026 <br> Ready for Review-1/23 XX: The appraisal value is sufficient. The appraisal was just marked subject to inspection. The property inspection report is approved. - Due Diligence Vendor-01/24/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis - Due Diligence Vendor-01/12/2026 |  | Resolved-Per the appraisal under Physical Deficiencies or Adverse Conditions, the appraiser noted they are not a structural expert and observed moisture-related staining, recommending further evaluation by a qualified professional. A licensed professional has since provided confirmation that the basement is dry and free of mold. Although the confirmation letter is not on business letterhead, a printout of the company's website was provided, and the final CD reflects a Home Inspection fee paid to the same company. Condition is cleared. - Due Diligence Vendor-01/27/2026 <br>Resolved-Primary Value Subject Property Appraisal is completed on an As-Is Basis or Not Applicable - Due Diligence Vendor-01/27/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305024444 | Closed | 2026-01-15 20:17 | 2026-01-27 08:32 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Satisfactory mortgage history provided, condition resolved. - Due Diligence Vendor-01/27/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/27/2026 <br> Ready for Review-1/26 XXX: Please note that all three mortgages for the REO properties listed were reflected on the credit supplement provided in the original loan file. Please see page 2 of attached documentation. - Due Diligence Vendor-01/26/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Verification of mortgage for the following REO properties are missing, XXX XXXXX XXXXX, XXXX XXXXXXX and XXXX XXXXXXXXX. - Due Diligence Vendor-01/16/2026 |  | Resolved-Satisfactory mortgage history provided, condition resolved. - Due Diligence Vendor-01/27/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-01/27/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305024444 | Closed | 2026-01-15 20:31 | 2026-01-27 08:29 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Copies or the Notes and CDs provided for the properties requested, condition resolved. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-1/26 XXX: Please note that the final CD or Note (or both documents) were provided in the original loan file for these properties. Please see documentation reattached to confirm the XXX mortgages. - Due Diligence Vendor-01/26/2026 <br> Open-1003 application indicates REO properties #3d, 3e, 3f and 3c (314 Park) with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties #3d, 3e, 3f, and 3c (XXX XXXX) with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/16/2026 |  | Resolved-Copies or the Notes and CDs provided for the properties requested, condition resolved. - Due Diligence Vendor-01/27/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_5.pdf<br> XXXXXXX_6.pdf<br> XXXXXXX_7.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305027173 | Closed | 2026-02-19 11:44 | 2026-02-22 16:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Received 12/19/2025 CD. Condition cleared. - Due Diligence Vendor-02/22/2026 <br> Resolved-. - Due Diligence Vendor-02/22/2026 <br> Resolved- - Due Diligence Vendor-02/22/2026 <br> Ready for Review-XX 2/20 Please see attached redisclosure - Due Diligence Vendor-02/20/2026 <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The loan file contains a change of circumstance, dated XX/XX/XXXX. The loan file did not contain a revised LE/CD dated within 3 days of the COC. No Cure. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-Received XX/XX/XXXX CD. Condition cleared. - Due Diligence Vendor-02/22/2026 <br> Resolved-. - Due Diligence Vendor-02/22/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305027173 | Closed | 2026-02-19 11:44 | 2026-02-22 16:25 | Resolved | 1 - Information | Compliance | TRID Tolerance | Charges That Cannot Increase Test (50001251) | Resolved-Received 12/19/2025 CD. Condition cleared. - Due Diligence Vendor-02/22/2026 <br> Resolved-. - Due Diligence Vendor-02/22/2026 <br> Resolved- - Due Diligence Vendor-02/22/2026 <br> Ready for Review-XX 2/20 Please see attached redisclosure - Due Diligence Vendor-02/20/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The loan file contains a COC dated XX/XX/XXXX for the addition of the Inspection Fee; however, the loan file is missing the initial or Revised Closing Disclosure that is associated with the COC. Compliance to be re-reviewed upin receipt of the required additional documentation. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-Received XX/XX/XXXX CD. Condition cleared. - Due Diligence Vendor-02/22/2026 <br> Resolved-. - Due Diligence Vendor-02/22/2026 |  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305027173 | Closed | 2026-02-06 10:05 | 2026-02-22 16:24 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received XX/XX/XXXX CD. Condition cleared. - Due Diligence Vendor-02/22/2026 <br> Resolved-. - Due Diligence Vendor-02/22/2026 <br> Resolved- - Due Diligence Vendor-02/22/2026 <br> Ready for Review-XX 2/20 Please see attached redisclosure - Due Diligence Vendor-02/20/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) The initial CD is missing from the loan file. Additional conditions may apply. No Cure. - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/19/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 |  | Resolved-Received XX/XX/XXXX CD. Condition cleared. - Due Diligence Vendor-02/22/2026 <br> Resolved-. - Due Diligence Vendor-02/22/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305056905 | Closed | 2026-02-25 19:42 | 2026-03-06 13:18 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Documentation regarding payment history for subject received, finding resolved. - Due Diligence Vendor-03/06/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-3/5 XXX: Please see that the subject mortgage is not a traditional mortgage, no payments were made between the time the property was acquired until the time the property was paid off. The original amount of $XXX,XXX from the original note is the same combined amount listed on the payoff ($XX,XXX and $XX,XXX). This is enough to show there is no required pay history. - Due Diligence Vendor-03/05/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. VOM for Subject property is missing. - Due Diligence Vendor-02/26/2026 |  | Resolved-Documentation regarding payment history for subject received, finding resolved. - Due Diligence Vendor-03/06/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/06/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029230 | Closed | 2026-01-22 12:55 | 2026-02-18 10:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Twelve month pay histories provided was provided for REO properties 3a, 3b, 3c, 3d,and 3e, REO 3h is owned by XXX. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-02/04/26 - XX: Please see the attached pay histories for each property. The mortgage on XX XXXXX XX is held in the name of XXX XXXX XXX. The borrower is not personally obligated to any debts associated with this property. - Due Diligence Vendor-02/04/2026 <br> Open-1003 application indicates REO properties 3a, 3b, 3c, 3d, 3e, 3h with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties 3a, 3b, 3c, 3d, 3e, 3h with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-01/22/2026 |  | Resolved-Twelve month pay histories provided was provided for REO properties 3a, 3b, 3c, 3d,and 3e, REO 3h is owned by LLC. - Due Diligence Vendor-02/18/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf<br> XXXXXXX_4.pdf<br> XXXXXXX_5.pdf<br> XXXXXXX_6.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305035589 | Closed | 2026-02-17 08:25 | 2026-02-17 08:25 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/17/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/17/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305057941 | Closed | 2026-03-23 10:26 | 2026-03-29 14:43 | Resolved | 1 - Information | Property | Appraisal | Subject property appraisal is not on an as-is basis (Primary Value) | Resolved-Received Lead-Based Paint inspection report indicating the flooring throughout the home was entirely covered with new vinyl flooring and carpet. The inspection also states no paint, paint chips or visible dust were observed and the flooring encapsulated any painted floors underneath. Finding resolved. - Due Diligence Vendor-03/29/2026 <br> Ready for Review-3/27 XX: Please see attached property inspection report. A1004D is not required - Due Diligence Vendor-03/27/2026 <br> Open-Primary Value Subject Property Appraisal is not on an As-Is Basis . A 1004D completion cert is missing. - Due Diligence Vendor-03/24/2026 |  | Resolved-Received Lead-Based Paint inspection report indicating the flooring throughout the home was entirely covered with new vinyl flooring and carpet. The inspection also states no paint, paint chips or visible dust were observed and the flooring encapsulated any painted floors underneath. Finding resolved. - Due Diligence Vendor-03/29/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305057941 | Closed | 2026-03-20 10:07 | 2026-03-29 14:36 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Loan file meets guideline requirements for delayed financing, finding resolved. - Due Diligence Vendor-03/29/2026 <br> Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/29/2026 <br> Ready for Review-3/27 XX: According to the IF pink guidance with delayed financing we can go up to 80% LTV as a cash out. - Due Diligence Vendor-03/27/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% - Due Diligence Vendor-03/20/2026 |  | Resolved-Loan file meets guideline requirements for delayed financing, finding resolved. - Due Diligence Vendor-03/29/2026 <br>Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-03/29/2026 |  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305038776 | Closed | 2026-03-09 10:37 | 2026-04-01 10:21 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Acknowledged-XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. <br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 <br> Counter-Section 11 (Asset Eligibility Notes) of client overlays document states business assets cannot be used as reserves. Finding remains - Due Diligence Vendor-03/12/2026 <br> Ready for Review-03/12/26 - XX: The agreed upon guidelines between XXX and XXX does not list business assets as an unacceptable source of funds for reserves. - Due Diligence Vendor-03/12/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s). Business assets can't be used for reserves per client overlays. - Due Diligence Vendor-03/09/2026 |  | Acknowledged-XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. <br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 |  |  | XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305038776 | Closed | 2026-03-09 10:36 | 2026-04-01 10:21 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. <br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 <br> Counter-Section 11 (Asset Eligibility Notes) of client overlays document states business assets cannot be used as reserves. Finding remains - Due Diligence Vendor-03/12/2026 <br> Ready for Review-03/12/2026 - XX: The agreed upon guidelines between XXX and XXX does not list business assets as an unacceptable source of funds for reserves. - Due Diligence Vendor-03/12/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX. Business assets can't be used for reserves per client overlays. - Due Diligence Vendor-03/09/2026 |  | Acknowledged-XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. <br> Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades findings - Due Diligence Vendor-04/01/2026 |  |  | XX: The greed upon guidelines does not list business assets as an ineligible source of funds for reserves. | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305037858 | Closed | 2026-02-06 05:51 | 2026-02-18 13:26 | Resolved | 1 - Information | Credit | Closing | Borrower 1 Non-US Document Identification is expired | Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-The Notice of Action provided indicates borrower's permanent resident card was extended for 48 months. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-2/17 XXX: Please see the attached I-797 Notice of Action form that was included in the original loan file. The document states that Homeland Security has extended the validity period on the borrower's Permanent Resident Card for XXXX months (XXXX years). - Due Diligence Vendor-02/17/2026 <br> Open-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/06/2026 |  | Resolved-Borrower Non-US identity document expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-02/18/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305031477 | Closed | 2026-02-06 09:32 | 2026-03-23 15:02 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title Policy with sufficient coverage, finding resolved. - Due Diligence Vendor-03/23/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-03/23/2026 <br> Ready for Review-please see attached doc JK 3.23 - Due Diligence Vendor-03/23/2026 <br> Open-Title Coverage Amount of $XXXXXX.XX is Less than Total Amount of Subject Lien(s) of $XXXXXX.XX - Due Diligence Vendor-02/06/2026 |  | Resolved-Received Final Title Policy with sufficient coverage, finding resolved. - Due Diligence Vendor-03/23/2026 <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXXX.XX - Due Diligence Vendor-03/23/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305044897 | Closed | 2026-02-12 09:07 | 2026-03-10 18:02 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received final title with sufficient coverage, finding resolved. - Due Diligence Vendor-03/10/2026 <br> Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXX - Due Diligence Vendor-03/10/2026 <br> Ready for Review-please see attached doc JK 3.10 - Due Diligence Vendor-03/10/2026 <br> Open-Title Coverage Amount of $XXXXX.XX is Less than Total Amount of Subject Lien(s) of $XXXXX - Due Diligence Vendor-02/12/2026 |  | Resolved-Received final title with sufficient coverage, finding resolved. - Due Diligence Vendor-03/10/2026 <br> Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXX - Due Diligence Vendor-03/10/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305044897 | Closed | 2026-02-12 09:22 | 2026-03-03 10:34 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Received hazard insurance with effective date that matches the closing date, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/03/2026 <br> Ready for Review-3/2 XX: Please see attached. The insurance policy for the subject is effective XX/XX/XXXX and the loan closed on XX/XX/XXXX. - Due Diligence Vendor-03/02/2026 <br> Open-Hazard Insurance Effective Date of XX/XX/XXXX is after the Disbursement Date of XX/XX/XXXX - Due Diligence Vendor-02/12/2026 |  | Resolved-Received hazard insurance with effective date that matches the closing date, finding resolved. - Due Diligence Vendor-03/03/2026 <br> Resolved-Hazard Insurance Effective Date of XX/XX/XXXX is prior to or equal to the Disbursement Date of XX/XX/XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-03/03/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305050808 | Closed | 2026-03-03 09:46 | 2026-03-11 13:59 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Counter-Reviewed Lender's rebuttal. Asset Eligibility Notes under Section 11 of Residential Mortgage Purchase Criteria doc indicates business assets cannot be used as reserves. Finding remains - Due Diligence Vendor-03/09/2026 <br> Ready for Review-03/06/2026 - XX: Please escalate to buyer. The agreed upon guidelines between XXX and XXX do not list business assets as an unacceptable source of funds for reserves. - Due Diligence Vendor-03/06/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Per Lender overlay guidelines - Business assets cannot be used as reserves. The only assets in the file are business assets. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305050808 | Closed | 2026-03-03 09:45 | 2026-03-11 13:58 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 <br> Counter-Reviewed Lender's rebuttal. Asset Eligibility Notes under Section 11 of Residential Mortgage Purchase Criteria doc indicates business assets cannot be used as reserves. Finding remains - Due Diligence Vendor-03/09/2026 <br> Ready for Review-03/06/2026 - XX: Please escalate to buyer. The agreed upon guidelines between XXX and XXX do not list business assets as an unacceptable source of funds for reserves. - Due Diligence Vendor-03/06/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Per Lender overlay guidelines - Business assets cannot be used as reserves. The only assets in the file are business assets. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Given this is a business-purpose loan and the borrower is 100% owner of the business, we are okay downgrading the asset condition. Client Acknowledges and downgrades - Due Diligence Vendor-03/11/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305057680 | Closed | 2026-03-23 13:32 | 2026-03-28 12:45 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received denial letter for REO property, finding resolved. - Due Diligence Vendor-03/28/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/28/2026 <br> Ready for Review-03/27 XX: Please see the attached documentation. The property located at XXX XXXXXX was denied and this transaction did not continue. No additional documentation was obtained due to the cancellation of the transaction. - Due Diligence Vendor-03/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Copy of the Note and/or Final Closing Disclosure was not provided for the recent purchase of the borrower's other real estate-owned property. REO (XXX XXXXXX) - Due Diligence Vendor-03/23/2026 |  | Resolved-Received denial letter for REO property, finding resolved. - Due Diligence Vendor-03/28/2026 <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/28/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305059689 | Closed | 2026-03-17 17:48 | 2026-03-23 15:49 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Evidence of ownership provided for property on XXXX, finding resolved. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-03/23/26 - XX: Please see attached. - Due Diligence Vendor-03/23/2026 <br> Open-Please provide documentation confirming the borrower is not a first-time home buyer, as this is an eligibility requirement for the Investor Flex product. While the 1003 indicates the borrower may own a property on XXXX, we are missing supporting documents such as the Note or Final Closing Disclosure (CD) to verify ownership. - Due Diligence Vendor-03/17/2026 |  | Resolved-Evidence of ownership provided for property on XXXX, finding resolved. - Due Diligence Vendor-03/23/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305051357 | Closed | 2026-02-27 08:22 | 2026-03-09 10:14 | Resolved | 1 - Information | Credit | Missing Doc | Missing Documentation 1 | Resolved-Received Note and Final CD along with a loan approval for a property that has not closed yet for REO 3e and 3f, finding resolved. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-03/06/26 - XX: Please see attached. Loan #XXXXXXXXXX for the purchase of XXXX XXXXXXXX XXX has not been cleared to close. - Due Diligence Vendor-03/06/2026 <br> Open-1003 application indicates REO properties #3e and #3f with a new mortgage with the lender. A copy of the Note and or final closing disclosure for REO properties #3e and #3f with new mortgage as reflected on the 1003 application is missing. - Due Diligence Vendor-02/27/2026 |  | Resolved-Received Note and Final CD along with a loan approval for a property that has not closed yet for REO 3e and 3f, finding resolved. - Due Diligence Vendor-03/09/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305054677 | Closed | 2026-03-03 06:30 | 2026-03-06 08:55 | Resolved | 1 - Information | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received final Closing Disclosure and Note for REO 3a and 3e reflecting no payment due until XX/XXXX, finding resolved. - Due Diligence Vendor-03/06/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026 <br> Ready for Review-3/5 XX: Please see attached notes for the REOs on 3A & 3E - Due Diligence Vendor-03/05/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Guidelines require a 12-month payment history (or since origination) for all mortgages including subordinate liens. Initial 1003 reflects XXXX with subject lender for REO 3a and 3e. Provide mortgage history or copy of note indicating that no payment is due. - Due Diligence Vendor-03/03/2026 |  | Resolved-Received final Closing Disclosure and Note for REO 3a and 3e reflecting no payment due until XX/XX/XXXX, finding resolved. - Due Diligence Vendor-03/06/2026 <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-03/06/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305066752 | Closed | 2026-03-23 13:28 | 2026-04-01 09:18 | Resolved | 1 - Information | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved-Documentation confirming transaction is delayed financing provided and LTV adjusted to rate and term parameters, finding resolved. - Due Diligence Vendor-04/01/2026 <br> Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-04/01/2026 <br> Ready for Review-03/31/2026 - XX: This is a delayed financing transaction, and the file is subject to rate and term parameters and pricing. Please see the attached settlement statement and source of funds used to purchase the subject. - Due Diligence Vendor-03/31/2026 <br> Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-03/25/2026 |  | Resolved-Documentation confirming transaction is delayed financing provided and LTV adjusted to rate and term parameters, finding resolved. - Due Diligence Vendor-04/01/2026 <br>Resolved-Audited HLTV of 80% is less than or equal to Guideline HCLTV of 80% - Due Diligence Vendor-04/01/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305066752 | Closed | 2026-03-23 13:28 | 2026-04-01 09:17 | Resolved | 1 - Information | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Documentation confirming transaction is delayed financing provided and LTV adjusted to rate and term parameters, finding resolved. - Due Diligence Vendor-04/01/2026 <br> Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/01/2026 <br> Ready for Review-03/31/2026 - XX: This is a delayed financing transaction, and the file is subject to rate and term parameters and pricing. Please see the attached settlement statement and source of funds used to purchase the subject. - Due Diligence Vendor-03/31/2026 <br> Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% - Due Diligence Vendor-03/25/2026 |  | Resolved-Documentation confirming transaction is delayed financing provided and LTV adjusted to rate and term parameters, finding resolved. - Due Diligence Vendor-04/01/2026 <br>Resolved-Audited CLTV of 80% is less than or equal to Guideline CLTV of 80% - Due Diligence Vendor-04/01/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305066752 | Closed | 2026-03-23 13:28 | 2026-04-01 09:17 | Resolved | 1 - Information | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Documentation confirming transaction is delayed financing provided and LTV adjusted to rate and term parameters, finding resolved. - Due Diligence Vendor-04/01/2026 <br> Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-04/01/2026 <br> Ready for Review-03/31/2026 - XX: This is a delayed financing transaction, and the file is subject to rate and term parameters and pricing. Please see the attached settlement statement and source of funds used to purchase the subject. - Due Diligence Vendor-03/31/2026 <br> Open-Audited LTV of 80% exceeds Guideline LTV of 75% for a cash out refinance. - Due Diligence Vendor-03/26/2026 |  | Resolved-Documentation confirming transaction is delayed financing provided and LTV adjusted to rate and term parameters, finding resolved. - Due Diligence Vendor-04/01/2026 <br>Resolved-Audited LTV of 80% is less than or equal to Guideline LTV of 80% - Due Diligence Vendor-04/01/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305056347 | Closed | 2026-03-09 06:25 | 2026-03-12 11:42 | Resolved | 1 - Information | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXX - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Title Policy - Due Diligence Vendor-03/12/2026 <br> Open-Title Coverage Amount of $XXXXX is Less than Total Amount of Subject Lien(s) of $XXXXX Provided updated title commitment or closing instructions to the title company with the correct coverage amount. - Due Diligence Vendor-03/09/2026 |  | Resolved-Title Coverage Amount of $XXXXX is equal to or greater than Total Amount of Subject Lien(s) $XXXXX - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305061077 | Closed | 2026-03-16 11:52 | 2026-03-20 08:28 | Resolved | 1 - Information | Credit | Missing Doc | Required Documentation is Missing | Resolved-Received executed HUD-1 from the cash purchase, finding resolved. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-3/19 XXX: Please see attached. - Due Diligence Vendor-03/19/2026 <br> Open-The subject loan was approved as delayed financing. Lender guidelines require evidence or original purchase price, clear title showing no liens and source of funds for original purchase. Despite this requirement, a copy of either the HUD from the purchase or recorded deed transfer documents were not provided. - Due Diligence Vendor-03/16/2026 |  | Resolved-Received executed HUD-1 from the cash purchase, finding resolved. - Due Diligence Vendor-03/20/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305060996 | Closed | 2026-03-06 09:16 | 2026-04-16 11:50 | Waived | 2 - Non-Material | Credit | Eligibility | Debt Service Coverage Ratio below guideline minimum | Waived- - Due Diligence Vendor-04/16/2026 <br> Acknowledged-XX: XXX acknowledges the difference in taxes, however, we believe the loan is still as of investment quality. We are asking for an exception to utilize the .99 DSCR with positive factors of 738 FICO, 79.27% CLTV/HCLTV, Borrowers have a history with rental properties, no derogatory credit history. Please downgrade based on the comp factors noted by XXX. Client acknowledges and downgrades findings. <br>- Due Diligence Vendor-04/01/2026 <br> Open-Audited DSCR of 0.987 is below guideline minimum of 1 DSCR is due to Taxes. Lender used $XXX.XX vs audit of $XXX.XX per tax certificate in file. Lender to provide tax documentation to support lower taxes and DSCR of 1.0. - Due Diligence Vendor-03/06/2026 |  | Acknowledged-XX: XXX acknowledges the difference in taxes, however, we believe the loan is still as of investment quality. We are asking for an exception to utilize the .99 DSCR with positive factors of 738 FICO, 79.27% CLTV/HCLTV, Borrowers have a history with rental properties, no derogatory credit history. Please downgrade based on the comp factors noted by XXX. Client acknowledges and downgrades findings. <br>- Due Diligence Vendor-04/01/2026 |  |  | 738 FICO, 79.27% CLTV/HCLTV, Borrowers have a history with rental properties, no derogatory credit history. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305067107 | Closed | 2026-03-22 13:41 | 2026-04-01 08:47 | Resolved | 1 - Information | Credit | Assets | Insufficient asset documentation in file - assets do not cover closing costs | Resolved-Updated bank statements provided reflecting sufficient funds for cash to close and reserves, finding resolved. - Due Diligence Vendor-04/01/2026 <br> Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-03/31/2026 - XX: Please see attached. The borrower's reserve requirement of $X,XXX.XX has been satisfied. - Due Diligence Vendor-03/31/2026 <br> Open-Insufficient asset documentation in file - assets do not cover closing costs. - Due Diligence Vendor-03/22/2026 |  | Resolved-Updated bank statements provided reflecting sufficient funds for cash to close and reserves, finding resolved. - Due Diligence Vendor-04/01/2026 <br>Resolved-Sufficient asset documentation provided. - Due Diligence Vendor-04/01/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305067107 | Closed | 2026-03-22 13:41 | 2026-04-01 08:47 | Resolved | 1 - Information | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Resolved-Updated bank statements provided reflecting sufficient funds for cash to close and reserves, finding resolved. - Due Diligence Vendor-04/01/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/01/2026 <br> Ready for Review-03/31/2026 - XX: Please see attached. The borrower's reserve requirement of $X,XXX.XX has been satisfied. - Due Diligence Vendor-03/31/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-03/25/2026 |  | Resolved-Updated bank statements provided reflecting sufficient funds for cash to close and reserves, finding resolved. - Due Diligence Vendor-04/01/2026 <br> Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXX.XX - Due Diligence Vendor-04/01/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305067107 | Closed | 2026-03-25 12:23 | 2026-04-01 08:46 | Resolved | 1 - Information | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Resolved-Updated bank statements provided reflecting sufficient funds for cash to close and reserves, finding resolved. - Due Diligence Vendor-04/01/2026 <br> Resolved-Audited Reserves of 21.49 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-04/01/2026 <br> Ready for Review-03/31/2026 - XX: Please see attached. The borrower's reserve requirement of $X,XXX.XX has been satisfied. - Due Diligence Vendor-03/31/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-03/25/2026 |  | Resolved-Updated bank statements provided reflecting sufficient funds for cash to close and reserves, finding resolved. - Due Diligence Vendor-04/01/2026 <br>Resolved-Audited Reserves of 21.49 month(s) are greater than or equal to Guideline Required Reserves of 3 month(s) allowed by client overlays. - Due Diligence Vendor-04/01/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305060710 | Closed | 2026-03-19 17:36 | 2026-04-01 10:08 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades finding<br> - Due Diligence Vendor-04/01/2026 <br> Counter-Reviewed Lender's rebuttal regarding an exception; however, an approved exception form was not uploaded. Please upload approved exception request form. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-3/24 XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 809, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. - Due Diligence Vendor-03/24/2026 <br> Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 3 month(s) Audited Reserves of 0 months are less than Guideline Required Reserves of 3 months. Guideline overlays do not allow the use of business assets for reserves. - Due Diligence Vendor-03/19/2026 |  | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades finding<br> - Due Diligence Vendor-04/01/2026 |  |  | XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 804, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305060710 | Closed | 2026-03-19 17:34 | 2026-04-01 10:07 | Acknowledged | 2 - Non-Material | Credit | Assets | Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 809, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades finding<br>- Due Diligence Vendor-04/01/2026 <br> Counter-Reviewed Lender's rebuttal regarding an exception; however, an approved exception form was not uploaded. Please upload approved exception request form. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-3/24 XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 809, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. - Due Diligence Vendor-03/24/2026 <br> Open-Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXX.XX Guideline overlays do not allow the use of business assets for reserves. - Due Diligence Vendor-03/19/2026 |  | Acknowledged-XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 809, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. Since the borrower is 100% owner, we are ok using the business reserves. Client Acknowledges and downgrades finding<br>- Due Diligence Vendor-04/01/2026 |  |  | XX: XXX does understand that XXX overlays do not allow business assets to be used for reserves however, is asking for an exception to still accept the loan. Positive factor include FICO: 809, no mtg lates, borrower does have more than enough funds in business account to cover the cash to close amount. | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305038998 | Closed | 2026-02-07 08:39 | 2026-02-07 08:39 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/07/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305029924 | Closed | 2026-03-03 06:36 | 2026-03-12 15:04 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Insufficient Reserves Number of Months (Client Overlay) | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines. Client acknowledged and downgraded finding. - Due Diligence Vendor-03/12/2026 <br>Ready for Review-The Post Closing Guideline Exception Form has been uploaded. - Due Diligence Vendor-03/12/2026 <br>Open-Audited Reserves of 3.85 month(s) are less than Guideline Required Reserves of 6 month(s) allowed by client overlays. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-Despite not meeting the purchase criteria, this meets lender guidelines. Client acknowledged and downgraded finding. - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305029924 | Closed | 2026-02-27 10:05 | 2026-03-12 15:00 | Resolved | 1 - Information | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-XXXX Check Completed and Cleared - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Report was in file and is attached. - Due Diligence Vendor-03/12/2026 <br> Open-XXXX Check Not Completed and/or Cleared - Due Diligence Vendor-02/27/2026 |  | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029924 | Closed | 2026-02-27 10:05 | 2026-03-12 14:59 | Resolved | 1 - Information | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report was provided - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Report was in file and is attached. - Due Diligence Vendor-03/12/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/27/2026 |  | Resolved-Third Party Fraud Report was provided - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029916 | Closed | 2026-02-02 14:45 | 2026-03-12 13:30 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC for program change was provided. Condition cleared. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Please see attached XX/XX/XXXX LE and COC - Due Diligence Vendor-03/11/2026 <br> Counter-Agree. The $X.XX credit was taken into consideration already. The Initial Loan Estimate reflects no charges for Commitment Fee or Verification Fee. The Final Closing Disclosure reflects a Commitment Fee of $X,XXX and a Verification Fee of $X.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure of $X,XXX.XX is required. Section J reflects a $X.XX tolerance cure that is insufficient. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached Final CD. A $X.XX RESPA was in section J. - Due Diligence Vendor-03/10/2026 <br> Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Initial Loan Estimate reflects no charges for Commitment Fee or Verification Fee. The Final Closing Disclosure reflects a Commitment Fee of $X,XXX and a Verification Fee of $X.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure of $X,XXX.XX is required. Section J reflects a $X.XX tolerance cure that is insufficient. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 |  | Resolved-COC for program change was provided. Condition cleared. - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029916 | Closed | 2026-02-02 14:45 | 2026-03-12 13:27 | Resolved | 1 - Information | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001026) | Resolved-COC for program change was provided. Condition cleared. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Please see attached XX.XX LE and COC - Due Diligence Vendor-03/11/2026 <br> Counter-Agree. The $X.XX credit was taken into consideration already. The Initial Loan Estimate reflects no charges for Commitment Fee or Verification Fee. The Final Closing Disclosure reflects a Commitment Fee of $X,XXX and a Verification Fee of $X.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure of $X,XXX.XX is required. Section J reflects a $X.XX tolerance cure that is insufficient. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Please see attached Final CD. A $X.XX RESPA was in section J. - Due Diligence Vendor-03/10/2026 <br> Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($0.00) were applied to the total fee variance of ($X,XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 <br> Open- - Due Diligence Vendor-02/02/2026 | The Initial Loan Estimate reflects no charges for Commitment Fee or Verification Fee. The Final Closing Disclosure reflects a Commitment Fee of $X,XXX and a Verification Fee of $X.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure of $X,XXX.XX is required. Section J reflects a $X.XX tolerance cure that is insufficient. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - 02/02/2026  | Resolved-COC for program change was provided. Condition cleared. - Due Diligence Vendor-03/12/2026 | XXXXXXX_1.pdf<br> XXXXXXX_1.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305029916 | Closed | 2026-01-26 11:55 | 2026-02-02 15:01 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |  | Acknowledged-ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305029916 | Closed | 2026-01-26 11:55 | 2026-02-02 15:01 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | ECOA: Second Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Secondary Appraisal present; no evidence appraisal was provided to applicant. ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |  | Acknowledged-ECOA Non-Compliant: Secondary Appraisal present; no evidence appraisal was provided to applicant. ECOA Non-Compliant: Appraisal present; no evidence appraisal was provided to applicant. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-01/26/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305043004 | Closed | 2026-03-02 09:46 | 2026-04-16 14:41 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements | Resolved-. - Due Diligence Vendor-03/09/2026 <br> Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Evidence of funds used to close - Due Diligence Vendor-03/05/2026 <br> Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing verification of receipt of bridge loan funds in the amount of $XXXX. - Due Diligence Vendor-03/02/2026 |  | Resolved-. - Due Diligence Vendor-03/09/2026 <br>Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-03/09/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305043004 | Closed | 2026-03-02 09:45 | 2026-03-09 17:01 | Resolved | 1 - Information | Credit | Missing Doc | Missing Asset Documentation | Resolved-Received wire transfer doc. Condition cleared. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-ATTACHED - Due Diligence Vendor-03/06/2026 <br> Open-Missing Asset Documentation. Missing verification of receipt of bridge loan funds in the amount of $XXX,XXX.XX. - Due Diligence Vendor-03/02/2026 |  | Resolved-Received wire transfer doc. Condition cleared. - Due Diligence Vendor-03/09/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305047505 | Closed | 2026-03-04 05:39 | 2026-03-07 08:24 | Waived | 2 - Non-Material | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of 78.83% exceeds Guideline LTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/04/2026 |  | Waived-Audited LTV of 78.83% exceeds Guideline LTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/04/2026 |  |  | FICO greater than 740, 20 points higher than GL minimum<br> Reserves 4 months greater than required<br> DSCR greater than 1.1 and 0.1 higher than GL maximum<br> Housing history 0x30x24 | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXXX | XXXXX | XXXXX | 305047505 | Closed | 2026-03-04 05:39 | 2026-03-07 08:23 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 78.83% exceeds Guideline CLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/04/2026 |  | Waived-Audited CLTV of 78.83% exceeds Guideline CLTV of 75% Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-03/04/2026 |  |  | FICO greater than 740, 20 points higher than GL minimum<br> Reserves 4 months greater than required<br> DSCR greater than 1.1 and 0.1 higher than GL maximum<br> Housing history 0x30x24 | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXXX | XXXXX | XXXXX | 305046010 | Closed | 2026-03-03 14:32 | 2026-03-13 16:30 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-VOR completed by property manager, finding resolved. - Due Diligence Vendor-03/13/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/13/2026 <br> Ready for Review-The borrowers current address is owned by XXXX, the VOR was completed by the property manager. 12 months checks should not be required. - Due Diligence Vendor-03/13/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Lender guidelines require 12 months of the Borrower's cancelled checks or bank statements to verify rental payments when a VOR is prepared by a private party. Despite this requirement, no bank payment history was provided. - Due Diligence Vendor-03/03/2026 |  | Resolved-VOR completed by property manager, finding resolved. - Due Diligence Vendor-03/13/2026 <br>Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-03/13/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305046010 | Closed | 2026-02-28 08:55 | 2026-03-06 08:20 | Resolved | 1 - Information | Credit | Insurance | Hazard Insurance Shortfall | Resolved-Received Master Policy along with HO6 coverage, finding resolved. - Due Diligence Vendor-03/06/2026 <br> Resolved-Hazard Insurance Coverage Amount of $ is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Master policy attached - other insurance is H06 - Due Diligence Vendor-03/05/2026 <br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXX - Due Diligence Vendor-02/28/2026 |  | Resolved-Received Master Policy along with HO6 coverage, finding resolved. - Due Diligence Vendor-03/06/2026 <br>Resolved-Hazard Insurance Coverage Amount of $ is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-03/06/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305046134 | Closed | 2026-02-27 06:49 | 2026-02-27 06:49 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/27/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/27/2026 |  |  |  | XX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305050070 | Closed | 2026-02-27 15:06 | 2026-03-05 14:47 | Cured | 2 - Non-Material | Compliance | TRID | TRID 0% Tolerance Violation | Cured-Received LOX, PCCD with Principal curtailment and Transaction details showing the disbursement amount. Condition cured - Due Diligence Vendor-03/05/2026 <br> Ready for Review-ATTACHED - Due Diligence Vendor-03/05/2026 <br> Open-The Loan Estimate dated XX/XX/XXXX Land Survey Fee of $XXX.XX. The Final CD dated XX/XX/XXXX reflects Land Survey Fee of $XXX.XX. The loan file did not contain a valid COC to support the increase. No evidence of a tolerance cure was provided in file. A tolerance cure of $XX.XX is required. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-02/27/2026 |  | Cured-Received LOX, PCCD with Principal curtailment and Transaction details showing the disbursement amount. Condition cured - Due Diligence Vendor-03/05/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305060739 | Closed | 2026-03-05 11:57 | 2026-03-05 11:57 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/05/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305055885 | Closed | 2026-03-12 12:17 | 2026-03-16 16:18 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Received verification of the Initial CD receipt date. Condition cleared. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Was viewed on 2/25/2026 - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open-The Initial Closing Disclosure Received Date of (XX/XX/XXXX) is not three business days before the consummation date of (XX/XX/XXXX). Three business days before the consummation date is (XX/XX/XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX. Borrower acknowledged receipt of initial C.D. on XX/XX/XXXX which is less than 3 business days prior to consummation. No Cure. - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 |  | Resolved-Received verification of the Initial CD receipt date. Condition cleared. - Due Diligence Vendor-03/16/2026 | XXXXXXX_1.pdf<br> XXXXXXX_2.pdf<br> XXXXXXX_3.pdf |  |  | XX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304889827 | Closed | 2026-03-02 13:01 | 2026-03-04 10:14 | Resolved | 1 - Information | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved-Lender's guidelines and overlays allow for a 660 FICO for LTV of 70%, finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Audited FICO of 674 is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Expanded guideline as shown on page 37 in Appendix K for Cash out refinance with LTV of 70% allow for credit score down to 660. Loan is within guideline. Please clear. - Due Diligence Vendor-03/04/2026 <br>Open-Audited FICO of 674 is less than Guideline FICO of 680 - Due Diligence Vendor-03/02/2026 |  | Resolved-Lender's guidelines and overlays allow for a 660 FICO for LTV of 70%, finding resolved. - Due Diligence Vendor-03/04/2026 <br>Resolved-Audited FICO of 674 is greater than or equal to Guideline FICO of 660 - Due Diligence Vendor-03/04/2026 |  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 304898971 | Closed | 2026-02-18 16:35 | 2026-02-27 07:39 | Resolved | 1 - Information | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider embedded in the Mortgage doc, finding resolved. - Due Diligence Vendor-02/27/2026 <br>Ready for Review-PUD is not required; property is not in PUD. Please clear - Due Diligence Vendor-02/25/2026 <br>Open-Missing Mortgage Riders – PUD Rider - Due Diligence Vendor-02/18/2026 |  | Resolved-PUD Rider embedded in the Mortgage doc, finding resolved. - Due Diligence Vendor-02/27/2026 |  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305024311 | Closed | 2026-02-19 18:37 | 2026-03-05 12:37 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Credit score does not meet client overlay guidelines | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/05/2026 <br>Open-Audited FICO of 684 is less than Guideline FICO of 700 allowed by client overlays. Credit score of 684 is less than 700, the minimum credit score required per client overlay guidelines for a cash out refinance. - Due Diligence Vendor-02/20/2026 |  | Acknowledged-This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/05/2026 |  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305039421 | Closed | 2026-02-12 13:33 | 2026-04-16 11:51 | Resolved | 1 - Information | Credit | Eligibility | Audited FICO is less than Guideline FICO | Resolved- - Due Diligence Vendor-04/16/2026 <br>Acknowledged-Based on client Expanded guidelines 680 min FICO required for 80% LTV. Condition cleared. - Due Diligence Vendor-03/19/2026 <br>Open-Audited FICO of 686 is less than Guideline FICO of 720 Matrix requires minimum 720 FICO for R/T refi at 80% LTV - Due Diligence Vendor-02/12/2026 |  | Acknowledged-Based on client Expanded guidelines 680 min FICO required for 80% LTV. Condition cleared. - Due Diligence Vendor-03/19/2026 |  |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305039415 | Closed | 2026-02-06 07:19 | 2026-03-04 18:15 | Acknowledged | 2 - Non-Material | Property | Appraisal | Appraisal is Expired | Acknowledged-Client obtained lender statement indicating exception was approved internally and noted on data tape. Client acknowledged and requested downgrade. - Due Diligence Vendor-03/05/2026 <br> Acknowledged-Client acknowledges and downgraded - Due Diligence Vendor-03/04/2026 <br> Counter-Comments indicate an approved exception was granted; however, no exception form found in file. Please submit approved exception form. Finding remains - Due Diligence Vendor-02/17/2026 <br> Ready for Review-This was an approved UW exception. "Appraisal dated XX/XX/XXXX. 120-day Expiration –XX/XX/XXXX. Additional 10-day extension granted to accommodate closing - updated expiration is XX/XX/XXXX. Note must be dated on or prior to XX/XX/XXXX." Requirement of XX/XX/XXXX deadline met, please downgrade/waive or clear. Thank you. - Due Diligence Vendor-02/16/2026 <br> Open-Primary Value Appraisal is Expired - Due Diligence Vendor-02/06/2026 |  | Acknowledged-Client obtained lender statement indicating exception was approved internally and noted on data tape. Client acknowledged and requested downgrade. - Due Diligence Vendor-03/05/2026 <br>Acknowledged-Client acknowledges and downgraded - Due Diligence Vendor-03/04/2026 |  |  |  | XX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305039388 | Closed | 2026-02-09 14:59 | 2026-04-16 11:55 | Waived | 2 - Non-Material | Credit | Eligibility | Appraised Value is less than guideline minimum | Waived- - Due Diligence Vendor-04/16/2026 <br> Acknowledged-Client obtained lender statement indicating exception was approved internally and noted on data tape. Client acknowledged and requested downgrade. - Due Diligence Vendor-03/05/2026 <br> Acknowledged-Client acknowledges and downgrades - Due Diligence Vendor-03/04/2026 <br> Counter-Lender indicates an approved exception was granted; however, no approved exception form was located in file. Please submit approved exception form. Finding remains - Due Diligence Vendor-02/17/2026 <br> Ready for Review-This was an approved UW exception, "Exception Approved, expanded product for Appraised property value under $XX,XXX. Subject loan amount meets the required minimum. FICO 783, DSCR > 1.5, good asset reserves to service the subject loan." please downgrade/waive or clear. Thank you. - Due Diligence Vendor-02/16/2026 <br> Open-Audited Qualifying Appraised Value of $ is less than the Guideline Minimum Appraised Value of $XXXXX. Appraised Value is less than guideline minimum<br> - Due Diligence Vendor-02/09/2026 |  | Acknowledged-Client obtained lender statement indicating exception was approved internally and noted on data tape. Client acknowledged and requested downgrade. - Due Diligence Vendor-03/05/2026 <br>Acknowledged-Client acknowledges and downgrades - Due Diligence Vendor-03/04/2026 |  |  | FICO 783, DSCR > 1.5, good asset reserves to service the subject loan | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305043808 | Closed | 2026-02-24 05:58 | 2026-03-16 15:08 | Acknowledged | 2 - Non-Material | Credit | Eligibility | Borrower 1 Credit Report is Expired | Acknowledged-Downgrading the remaining open credit exception with comp factors including a 732 fico and 0x30 mortgage/credit history. Client Acknowledges and downgrades finding. - Due Diligence Vendor-03/16/2026 <br>Open-Lender guidelines required that the credit be obtained no more than 90 days prior to the Note date. Despite this requirement, the credit report was dated 96 days prior to the Note. Additional conditions may apply upon receipt of the missing documentation. - Due Diligence Vendor-02/24/2026 |  | Acknowledged-Downgrading the remaining open credit exception with comp factors including a 732 fico and 0x30 mortgage/credit history. Client Acknowledges and downgrades finding. - Due Diligence Vendor-03/16/2026 |  |  |  | XX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 304898050 | Closed | 2025-12-26 13:00 | 2026-01-13 14:27 | Resolved | 1 - Information | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Mortgage statement received shows last payment made XX/XX/XXXX with no lates and next payment due XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/13/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Please review the XXXXXX xXXXX mtg statements to satisfy the payment history from XX - XXX XXXX - Due Diligence Vendor-01/13/2026 <br> Counter-Primary - The application date for this loan is XX/XX/XXXX. The credit report is dated XX/XX/XXXX. The borrower's primary is only reporting on the credit report thru XX/XX/XXXX, with date of last activity XX/XX/XXXX. Please provide proof of payment thru the application date. Per GLs - For all occupancies, no mortgage payment, including subordinate liens, may be (through application date): No more than one (1) 30 or more days past due in the last 12 months (1x30). <br> Additional REO - Section 3b of the URLA shows an additional REO and mortgage that is not listed on the credit report. There are no mortgage statements, payment history, Final CD/Note or verification of when this mortgage originated. Please provide documentation for this REO to verify payments meet lender guidelines. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Per guidelines a VOM is not required. We can go off of credit report date - Due Diligence Vendor-01/06/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. The borrower's primary residence mortgage is only reporting through XX/XXXX on the credit report. Please provide XX/XXXX and XX/XXXX verification of mortgage payments. The Borrower has an additional investment REO on the URLA with no mortgage documentation on the credit report or in the file. Please provide VOM for additional REO on the URLA. - Due Diligence Vendor-12/26/2025 |  | Resolved-Mortgage statement received shows last payment made XX/XX/XXXX with no lates and next payment due XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-01/13/2026 <br> Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-01/13/2026 | XXXXXXX_1.pdf |  |  | XX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXXX | XXXXX | XXXXX | 305053764 | Closed | 2026-03-03 13:50 | 2026-03-03 13:52 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/03/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXXX | XXXXX | XXXXX | 305053764 | Closed | 2026-03-03 13:50 | 2026-03-03 13:52 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2026 |  | Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-03/03/2026 |  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |

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## Exhibit 99.39

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.39**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXXX | XXXX | 304898965 | $XXXXXX A |
| XXXXX | XXXX | 304898973 | $XXXXXX C A |
| XXXXX | XXXX | 304898968 | $XXXXXX A |
| XXXXX | XXXX | 304911580 | $XXXXXX A |
| XXXXX | XXXX | 304889879 | $XXXXXX A |
| XXXXX | XXXX | 305029082 | $XXXXXX B A |
| XXXXX | XXXX | 305031449 | $XXXXXX C A |
| XXXXX | XXXX | 304898980 | $XXXXXX C A B |
| XXXXX | XXXX | 304867433 | $XXXXXX A |
| XXXXX | XXXX | 305030476 | $XXXXXX B D A |
| XXXXX | XXXX | 305030441 | $XXXXXX D A B |
| XXXXX | XXXX | 305030401 | $XXXXXX A |
| XXXXX | XXXX | 305030356 | $XXXXXX C A B |
| XXXXX | XXXX | 305030331 | $XXXXXX D C A B |
| XXXXX | XXXX | 305030327 | $XXXXXX A C B |
| XXXXX | XXXX | 305030283 | $XXXXXX A C B |
| XXXXX | XXXX | 305030274 | $XXXXXX C A B |
| XXXXX | XXXX | 305030199 | $XXXXXX A |
| XXXXX | XXXX | 305030160 | $XXXXXX D A B |
| XXXXX | XXXX | 305030159 | $XXXXXX A |
| XXXXX | XXXX | 305030148 | $XXXXXX D A |
| XXXXX | XXXX | 305030106 | $XXXXXX A C |
| XXXXX | XXXX | 305030078 | $XXXXXX A |
| XXXXX | XXXX | 305030038 | $XXXXXX C A B |
| XXXXX | XXXX | 305029971 | $XXXXXX C A |
| XXXXX | XXXX | 304875288 | $XXXXXX A D C B |
| XXXXX | XXXX | 304894708 | $XXXXXX A C B |
| XXXXX | XXXX | 305030935 | $XXXXXX A C |
| XXXXX | XXXX | 304848988 | $XXXXXX A |
| XXXXX | XXXX | 305057863 | $XXXXXX A |
| XXXXX | XXXX | 304866589 | $XXXXXX D A |
| XXXXX | XXXX | 304904593 | $XXXXXX A |
| XXXXX | XXXX | 304908705 | $XXXXXX A B |
| XXXXX | XXXX | 304889341 | $XXXXXX A |
| XXXXX | XXXX | 304904457 | $XXXXXX C A |
| XXXXX | XXXX | 304891144 | $XXXXXX A |
| XXXXX | XXXX | 304904452 | $XXXXXX A |
| XXXXX | XXXX | 304897077 | $XXXXXX A |
| XXXXX | XXXX | 305026599 | $XXXXXX D A |
| XXXXX | XXXX | 305026598 | $XXXXXX D A |
| XXXXX | XXXX | 304902324 | $XXXXXX A |
| XXXXX | XXXX | 304904430 | $XXXXXX A |
| XXXXX | XXXX | 305029874 | $XXXXXX A |
| XXXXX | XXXX | 305027037 | $XXXXXX A |
| XXXXX | XXXX | 305026441 | $XXXXXX A |
| XXXXX | XXXX | 304909608 | $XXXXXX C A |
| XXXXX | XXXX | 305030647 | $XXXXXX A B |
| XXXXX | XXXX | 304993657 | $XXXXXX C A |
| XXXXX | XXXX | 305012671 | $XXXXXX C A |
| XXXXX | XXXX | 305013360 | $XXXXXX A |
| XXXXX | XXXX | 305023784 | $XXXXXX A |
| XXXXX | XXXX | 305029557 | $XXXXXX A |
| XXXXX | XXXX | 305034674 | $XXXXXX A |
| XXXXX | XXXX | 305034617 | $XXXXXX C A |
| XXXXX | XXXX | 305031688 | $XXXXXX A |
| XXXXX | XXXX | 305032544 | $XXXXXX A |
| XXXXX | XXXX | 305029236 | $XXXXXX A D |
| XXXXX | XXXX | 305029270 | $XXXXXX A |
| XXXXX | XXXX | 305037881 | $XXXXXX D A |
| XXXXX | XXXX | 305038535 | $XXXXXX A |
| XXXXX | XXXX | 305057551 | $XXXXXX A |
| XXXXX | XXXX | 305057710 | $XXXXXX A |
| XXXXX | XXXX | 305051449 | $XXXXXX C A B |
| XXXXX | XXXX | 305029691 | $XXXXXX A |
| XXXXX | XXXX | 305047103 | $XXXXXX C A B |
| XXXXX | XXXX | 305032482 | $XXXXXX A |
| XXXXX | XXXX | 305030624 | $XXXXXX A |
| XXXXX | XXXX | 305034611 | $XXXXXX D A |
| XXXXX | XXXX | 305033638 | $XXXXXX A |
| XXXXX | XXXX | 305061085 | $XXXXXX A |
| XXXXX | XXXX | 305046017 | $XXXXXX D A |
| XXXXX | XXXX | 305034535 | $XXXXXX C A B |
| XXXXX | XXXX | 305041937 | $XXXXXX A |
| XXXXX | XXXX | 305036269 | $XXXXXX A |
| XXXXX | XXXX | 305051380 | $XXXXXX A |
| XXXXX | XXXX | 305038990 | $XXXXXX C A |
| XXXXX | XXXX | 305037871 | $XXXXXX A |
| XXXXX | XXXX | 305045971 | $XXXXXX A |
| XXXXX | XXXX | 305037870 | $XXXXXX A |
| XXXXX | XXXX | 305037868 | $XXXXXX A |
| XXXXX | XXXX | 305037867 | $XXXXXX A |
| XXXXX | XXXX | 305038739 | $XXXXXX A |
| XXXXX | XXXX | 305042296 | $XXXXXX A |
| XXXXX | XXXX | 305053697 | $XXXXXX D A |
| XXXXX | XXXX | 305051378 | $XXXXXX D A |
| XXXXX | XXXX | 305037864 | $XXXXXX A |
| XXXXX | XXXX | 305038037 | $XXXXXX D A |
| XXXXX | XXXX | 305061193 | $XXXXXX A |
| XXXXX | XXXX | 305038716 | $XXXXXX A C |
| XXXXX | XXXX | 305053432 | $XXXXXX A |
| XXXXX | XXXX | 305051375 | $XXXXXX A |
| XXXXX | XXXX | 305040473 | $XXXXXX A |
| XXXXX | XXXX | 305051372 | $XXXXXX A |
| XXXXX | XXXX | 305051371 | $XXXXXX D A |
| XXXXX | XXXX | 305041934 | $XXXXXX A |
| XXXXX | XXXX | 305053489 | $XXXXXX A |
| XXXXX | XXXX | 305042045 | $XXXXXX D A |
| XXXXX | XXXX | 305042043 | $XXXXXX D A |
| XXXXX | XXXX | 305054838 | $XXXXXX A |
| XXXXX | XXXX | 305059708 | $XXXXXX D A |
| XXXXX | XXXX | 305053696 | $XXXXXX C A B |
| XXXXX | XXXX | 305054682 | $XXXXXX C A B |
| XXXXX | XXXX | 305063739 | $XXXXXX B A |
| XXXXX | XXXX | 305047466 | $XXXXXX A |
| XXXXX | XXXX | 305057550 | $XXXXXX A |
| XXXXX | XXXX | 305057549 | $XXXXXX A |
| XXXXX | XXXX | 305057548 | $XXXXXX A |
| XXXXX | XXXX | 305057547 | $XXXXXX A |
| XXXXX | XXXX | 305057546 | $XXXXXX A |
| XXXXX | XXXX | 305078467 | $XXXXXX A |
| XXXXX | XXXX | 305056849 | $XXXXXX C A |
| XXXXX | XXXX | 305054929 | $XXXXXX D A |
| XXXXX | XXXX | 305046000 | $XXXXXX A |
| XXXXX | XXXX | 305046015 | $XXXXXX A |
| XXXXX | XXXX | 305046014 | $XXXXXX D A |
| XXXXX | XXXX | 305047091 | $XXXXXX C A |
| XXXXX | XXXX | 305047089 | $XXXXXX D A |
| XXXXX | XXXX | 305053430 | $XXXXXX A |
| XXXXX | XXXX | 305047464 | $XXXXXX A |
| XXXXX | XXXX | 305059705 | $XXXXXX A |
| XXXXX | XXXX | 305047868 | $XXXXXX A |
| XXXXX | XXXX | 305054990 | $XXXXXX D A |
| XXXXX | XXXX | 305047520 | $XXXXXX D A |
| XXXXX | XXXX | 305047864 | $XXXXXX D A |
| XXXXX | XXXX | 305050111 | $XXXXXX A |
| XXXXX | XXXX | 305057544 | $XXXXXX A |
| XXXXX | XXXX | 305062373 | $XXXXXX A |
| XXXXX | XXXX | 305056847 | $XXXXXX A |
| XXXXX | XXXX | 305056845 | $XXXXXX C A |
| XXXXX | XXXX | 305070043 | $XXXXXX A |
| XXXXX | XXXX | 305055828 | $XXXXXX C A |
| XXXXX | XXXX | 305061630 | $XXXXXX A |
| XXXXX | XXXX | 305051873 | $XXXXXX C A |
| XXXXX | XXXX | 305057542 | $XXXXXX C A |
| XXXXX | XXXX | 305054926 | $XXXXXX D A |
| XXXXX | XXXX | 305057858 | $XXXXXX A |
| XXXXX | XXXX | 305054925 | $XXXXXX A |
| XXXXX | XXXX | 305062330 | $XXXXXX C A B |
| XXXXX | XXXX | 305061014 | $XXXXXX A |
| XXXXX | XXXX | 305054924 | $XXXXXX A |
| XXXXX | XXXX | 305052638 | $XXXXXX A |
| XXXXX | XXXX | 305053427 | $XXXXXX A |
| XXXXX | XXXX | 305067582 | $XXXXXX A |
| XXXXX | XXXX | 305060720 | $XXXXXX A |
| XXXXX | XXXX | 305053750 | $XXXXXX A |
| XXXXX | XXXX | 305061013 | $XXXXXX C A |
| XXXXX | XXXX | 305054589 | $XXXXXX A |
| XXXXX | XXXX | 305056356 | $XXXXXX A |
| XXXXX | XXXX | 305054833 | $XXXXXX A |
| XXXXX | XXXX | 305067581 | $XXXXXX A |
| XXXXX | XXXX | 305069093 | $XXXXXX A |
| XXXXX | XXXX | 305061010 | $XXXXXX A |
| XXXXX | XXXX | 305060668 | $XXXXXX C A B |
| XXXXX | XXXX | 305059700 | $XXXXXX A |
| XXXXX | XXXX | 305056674 | $XXXXXX A |
| XXXXX | XXXX | 305069108 | $XXXXXX A |
| XXXXX | XXXX | 305060718 | $XXXXXX A |
| XXXXX | XXXX | 305064145 | $XXXXXX A |
| XXXXX | XXXX | 305063380 | $XXXXXX A |
| XXXXX | XXXX | 305064047 | $XXXXXX A |
| XXXXX | XXXX | 305061543 | $XXXXXX A |
| XXXXX | XXXX | 305064046 | $XXXXXX A |
| XXXXX | XXXX | 305045967 | $XXXXXX A |
| XXXXX | XXXX | 305057848 | $XXXXXX A |
| XXXXX | XXXX | 305077120 | $XXXXXX A |
| XXXXX | XXXX | 305064143 | $XXXXXX A |
| XXXXX | XXXX | 305061542 | $XXXXXX A |
| XXXXX | XXXX | 305042048 | $XXXXXX A C |
| XXXXX | XXXX | 305070041 | $XXXXXX D A |
| XXXXX | XXXX | 305060663 | $XXXXXX A |
| XXXXX | XXXX | 305072092 | $XXXXXX A |
| XXXXX | XXXX | 305076278 | $XXXXXX A |
| XXXXX | XXXX | 305062322 | $XXXXXX A |
| XXXXX | XXXX | 305062317 | $XXXXXX A |
| XXXXX | XXXX | 305062313 | $XXXXXX A |
| XXXXX | XXXX | 305056362 | $XXXXXX A |
| XXXXX | XXXX | 305056363 | $XXXXXX C A |
| XXXXX | XXXX | 305070039 | $XXXXXX A |
| XXXXX | XXXX | 305070038 | $XXXXXX A |
| XXXXX | XXXX | 305069734 | $XXXXXX A |
| XXXXX | XXXX | 305064038 | $XXXXXX A |
| XXXXX | XXXX | 305075887 | $XXXXXX A |
| XXXXX | XXXX | 305071224 | $XXXXXX A |
| XXXXX | XXXX | 305067563 | $XXXXXX A |
| XXXXX | XXXX | 304897449 | $XXXXXX A B |
| XXXXX | XXXX | 305025031 | $XXXXXX A |
| XXXXX | XXXX | 305036768 | $XXXXXX A |
| XXXXX | XXXX | 304909733 | $XXXXXX A |
| XXXXX | XXXX | 304874817 | $XXXXXX D A |
| XXXXX | XXXX | 305024787 | $XXXXXX A |
| XXXXX | XXXX | 304897423 | $XXXXXX A |
| XXXXX | XXXX | 304875241 | $XXXXXX D A |
| XXXXX | XXXX | 304897422 | $XXXXXX A |
| XXXXX | XXXX | 304897601 | $XXXXXX A |
| XXXXX | XXXX | 304909033 | $XXXXXX A |
| XXXXX | XXXX | 304909032 | $XXXXXX A |
| XXXXX | XXXX | 305027360 | $XXXXXX A B |
| XXXXX | XXXX | 305027514 | $XXXXXX D C A |
| XXXXX | XXXX | 304898181 | $XXXXXX C A |
| XXXXX | XXXX | 305026595 | $XXXXXX A |
| XXXXX | XXXX | 305013582 | $XXXXXX D A |
| XXXXX | XXXX | 305013581 | $XXXXXX A |
| XXXXX | XXXX | 304909815 | $XXXXXX A |
| XXXXX | XXXX | 305027332 | $XXXXXX A |
| XXXXX | XXXX | 305042288 | $XXXXXX C A |
| XXXXX | XXXX | 305042287 | $XXXXXX A |
| XXXXX | XXXX | 305029169 | $XXXXXX D A C |
| XXXXX | XXXX | 305024444 | $XXXXXX D A |
| XXXXX | XXXX | 305030617 | $XXXXXX A |
| XXXXX | XXXX | 305027173 | $XXXXXX A C |
| XXXXX | XXXX | 305056905 | $XXXXXX C A |
| XXXXX | XXXX | 305027154 | $XXXXXX A |
| XXXXX | XXXX | 305057681 | $XXXXXX A |
| XXXXX | XXXX | 305029230 | $XXXXXX D A |
| XXXXX | XXXX | 305035589 | $XXXXXX A B |
| XXXXX | XXXX | 305033672 | $XXXXXX A |
| XXXXX | XXXX | 305057941 | $XXXXXX C A |
| XXXXX | XXXX | 305038776 | $XXXXXX C A B |
| XXXXX | XXXX | 305046106 | $XXXXXX A |
| XXXXX | XXXX | 305037858 | $XXXXXX C A |
| XXXXX | XXXX | 305031477 | $XXXXXX C A |
| XXXXX | XXXX | 305069136 | $XXXXXX A |
| XXXXX | XXXX | 305069724 | $XXXXXX A |
| XXXXX | XXXX | 305047909 | $XXXXXX A |
| XXXXX | XXXX | 305076205 | $XXXXXX A |
| XXXXX | XXXX | 305036830 | $XXXXXX A |
| XXXXX | XXXX | 305044897 | $XXXXXX C A |
| XXXXX | XXXX | 305053483 | $XXXXXX A |
| XXXXX | XXXX | 305060999 | $XXXXXX A |
| XXXXX | XXXX | 305056830 | $XXXXXX A |
| XXXXX | XXXX | 305050808 | $XXXXXX C A B |
| XXXXX | XXXX | 305050763 | $XXXXXX A |
| XXXXX | XXXX | 305057680 | $XXXXXX C A |
| XXXXX | XXXX | 305042279 | $XXXXXX A |
| XXXXX | XXXX | 305059689 | $XXXXXX D A |
| XXXXX | XXXX | 305051357 | $XXXXXX D A |
| XXXXX | XXXX | 305054677 | $XXXXXX C A |
| XXXXX | XXXX | 305060823 | $XXXXXX A |
| XXXXX | XXXX | 305066752 | $XXXXXX C A |
| XXXXX | XXXX | 305056347 | $XXXXXX C A |
| XXXXX | XXXX | 305057528 | $XXXXXX A |
| XXXXX | XXXX | 305061077 | $XXXXXX D A |
| XXXXX | XXXX | 305051441 | $XXXXXX A |
| XXXXX | XXXX | 305061538 | $XXXXXX A |
| XXXXX | XXXX | 305061537 | $XXXXXX A |
| XXXXX | XXXX | 305057527 | $XXXXXX A |
| XXXXX | XXXX | 305057526 | $XXXXXX A |
| XXXXX | XXXX | 305052323 | $XXXXXX A |
| XXXXX | XXXX | 305059748 | $XXXXXX A |
| XXXXX | XXXX | 305060656 | $XXXXXX A |
| XXXXX | XXXX | 305060996 | $XXXXXX C A B |
| XXXXX | XXXX | 305066750 | $XXXXXX A |
| XXXXX | XXXX | 305054831 | $XXXXXX A |
| XXXXX | XXXX | 305065536 | $XXXXXX A |
| XXXXX | XXXX | 305053415 | $XXXXXX A |
| XXXXX | XXXX | 305057523 | $XXXXXX A |
| XXXXX | XXXX | 305067107 | $XXXXXX C A |
| XXXXX | XXXX | 305057522 | $XXXXXX A |
| XXXXX | XXXX | 305057938 | $XXXXXX A |
| XXXXX | XXXX | 305064135 | $XXXXXX A |
| XXXXX | XXXX | 305060710 | $XXXXXX C A B |
| XXXXX | XXXX | 305054985 | $XXXXXX A |
| XXXXX | XXXX | 305060654 | $XXXXXX A |
| XXXXX | XXXX | 305056340 | $XXXXXX A |
| XXXXX | XXXX | 305073575 | $XXXXXX A |
| XXXXX | XXXX | 305065474 | $XXXXXX A |
| XXXXX | XXXX | 305067562 | $XXXXXX A |
| XXXXX | XXXX | 305063697 | $XXXXXX A |
| XXXXX | XXXX | 305067561 | $XXXXXX A |
| XXXXX | XXXX | 305066749 | $XXXXXX A |
| XXXXX | XXXX | 305067560 | $XXXXXX A |
| XXXXX | XXXX | 305059682 | $XXXXXX A |
| XXXXX | XXXX | 305074629 | $XXXXXX A |
| XXXXX | XXXX | 305064032 | $XXXXXX A |
| XXXXX | XXXX | 305073506 | $XXXXXX A |
| XXXXX | XXXX | 305069076 | $XXXXXX A |
| XXXXX | XXXX | 305070111 | $XXXXXX A |
| XXXXX | XXXX | 305066745 | $XXXXXX A |
| XXXXX | XXXX | 305026500 | $XXXXXX A |
| XXXXX | XXXX | 305036547 | $XXXXXX A |
| XXXXX | XXXX | 305038998 | $XXXXXX A B |
| XXXXX | XXXX | 305057777 | $XXXXXX A |
| XXXXX | XXXX | 305029924 | $XXXXXX D A B |
| XXXXX | XXXX | 305029916 | $XXXXXX A C B |
| XXXXX | XXXX | 305029906 | $XXXXXX A |
| XXXXX | XXXX | 305054651 | $XXXXXX A |
| XXXXX | XXXX | 305042217 | $XXXXXX A |
| XXXXX | XXXX | 305044960 | $XXXXXX A |
| XXXXX | XXXX | 305043004 | $XXXXXX D C A |
| XXXXX | XXXX | 305053606 | $XXXXXX A |
| XXXXX | XXXX | 305047505 | $XXXXXX B A |
| XXXXX | XXXX | 305046010 | $XXXXXX C A |
| XXXXX | XXXX | 305046006 | $XXXXXX A |
| XXXXX | XXXX | 305051151 | $XXXXXX A |
| XXXXX | XXXX | 305046134 | $XXXXXX A B |
| XXXXX | XXXX | 305050070 | $XXXXXX A C B |
| XXXXX | XXXX | 305056664 | $XXXXXX A |
| XXXXX | XXXX | 305060739 | $XXXXXX A B |
| XXXXX | XXXX | 305055885 | $XXXXXX A C |
| XXXXX | XXXX | 305057968 | $XXXXXX A |
| XXXXX | XXXX | 304869322 | $XXXXXX A |
| XXXXX | XXXX | 304869291 | $XXXXXX A |
| XXXXX | XXXX | 304889827 | $XXXXXX C A |
| XXXXX | XXXX | 304899076 | $XXXXXX D A |
| XXXXX | XXXX | 304899065 | $XXXXXX A |
| XXXXX | XXXX | 305029135 | $XXXXXX A |
| XXXXX | XXXX | 304898985 | $XXXXXX C A |
| XXXXX | XXXX | 304898971 | $XXXXXX A D |
| XXXXX | XXXX | 305024430 | $XXXXXX A |
| XXXXX | XXXX | 305024311 | $XXXXXX C A B |
| XXXXX | XXXX | 305029115 | $XXXXXX A |
| XXXXX | XXXX | 305029093 | $XXXXXX B A |
| XXXXX | XXXX | 305029062 | $XXXXXX B A |
| XXXXX | XXXX | 305034452 | $XXXXXX C A |
| XXXXX | XXXX | 305039425 | $XXXXXX A |
| XXXXX | XXXX | 305039421 | $XXXXXX C D A |
| XXXXX | XXXX | 305039415 | $XXXXXX A C B |
| XXXXX | XXXX | 305039403 | $XXXXXX A |
| XXXXX | XXXX | 305039392 | $XXXXXX A |
| XXXXX | XXXX | 305039388 | $XXXXXX C D A B |
| XXXXX | XXXX | 305043808 | $XXXXXX C A B |
| XXXXX | XXXX | 305013280 | $XXXXXX A |
| XXXXX | XXXX | 304898050 | $XXXXXX C A |
| XXXXX | XXXX | 305039457 | $XXXXXX A |
| XXXXX | XXXX | 305044573 | $XXXXXX A |
| XXXXX | XXXX | 305031469 | $XXXXXX A |
| XXXXX | XXXX | 305042644 | $XXXXXX A |
| XXXXX | XXXX | 305053764 | $XXXXXX A B |

---

## Exhibit 99.40

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.40**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXXX | XXXXX | 304898965 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304898973 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304898968 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304911580 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304889879 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305029082 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305031449 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 77.21 | 77.21 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0804 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304898980 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304867433 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030476 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305030441 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 63.42 | 63.42 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030401 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | Appraisal Narrative | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030356 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.3 | 78.3 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030331 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 57.44 | 57.44 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305030327 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | XX/XX/XXXX |
| XXXXX | XXXXX | 305030283 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.1102 | XXXXXXX | $XXXXXX | $XXXXXX | -.1188 | XXXXXX |  |  |  |  |  | $XXXXXX | $XXXXXX | -.1188 | 96 | 0.04 | XXXXXXX | XXXXXXX | XX/XX/XXXX | $XXXXXX | $XXXXXX | -.1102 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030274 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305030199 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 65 | 65 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030160 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305030159 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030148 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305030106 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305030078 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305030038 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 85 | 85 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| XXXXX | XXXXX | 305029971 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304875288 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | None - Appraisal Waiver | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 |  |  |  |  | $XXXXXX | $XXXXXX | -.0158 | XXXXXX |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0158 | 96 | 0.04 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304894708 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 76.26 | 76.26 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030935 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | .0216 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0216 | 97 | 0.03 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 304848988 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305057863 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 54.2 | 54.2 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304866589 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304904593 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 84.92 | 84.92 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304908705 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304889341 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 43.6 | 43.6 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304904457 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 48.7 | 48.7 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXX | XXXXX | 304891144 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 304904452 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 65.18 | 65.18 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304897077 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305026599 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305026598 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0268 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0268 | 97 | 0.03 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304902324 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304904430 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305029874 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305027037 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0323 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0323 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305026441 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | $XXXXXX | .0320 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0320 | 92 | 0.08 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304909608 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030647 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | XX/XX/XXXX |
| XXXXX | XXXXX | 304993657 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | .0561 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0561 | 91 | 0.09 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305012671 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305013360 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305023784 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305029557 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 27.12 | 27.12 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305034674 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305034617 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 43.06 | 43.06 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305031688 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| XXXXX | XXXXX | 305032544 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305029236 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305029270 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305037881 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305038535 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305057551 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057710 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305051449 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305029691 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305047103 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.51 | 78.51 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305032482 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible | 1.6 | XX/XX/XXXX |
| XXXXX | XXXXX | 305030624 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305034611 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305033638 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 71.2 | 71.2 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305061085 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 72.43 | 72.43 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305046017 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305034535 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305041937 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305036269 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305051380 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305038990 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305037871 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305045971 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | .0164 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0164 | 97 | 0.03 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305037870 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| XXXXX | XXXXX | 305037867 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305038739 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75.45 | 75.45 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX Eligible | 2.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305042296 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 55 | 55 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305053697 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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| XXXXX | XXXXX | 305037864 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
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| XXXXX | XXXXX | 305047868 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305054990 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 68.29 | 68.29 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XX/XX/XXXX |
| XXXXX | XXXXX | 305047520 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305047864 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305050111 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057544 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305062373 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305056847 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 66.25 | 66.25 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XX/XX/XXXX |
| XXXXX | XXXXX | 305056845 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 57.14 | 57.14 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305070043 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 66.38 | 66.38 | $XXXXXX | $XXXXXX | -.0601 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0601 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305055828 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 305061630 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0263 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0263 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305051873 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057542 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305054926 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057858 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305054925 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305062330 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | .0392 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXX | $XXXXX | .0392 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305061014 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305054924 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305052638 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305053427 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305067582 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305060720 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 74.99 | 74.99 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305053750 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 305061013 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305054589 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 72 | 72 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305056356 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305054833 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305067581 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 79.1 | 79.1 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305069093 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 74.96 | 74.96 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305061010 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 305060668 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305059700 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 35.25 | 35.25 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305056674 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 69.2 | 69.2 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305069108 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305060718 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305064145 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305063380 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305064047 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305061543 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0183 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0183 | 97 | 0.03 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305064046 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305045967 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057848 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305077120 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305064143 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 66.07 | 66.07 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305061542 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305042048 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .1097 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305070041 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 64.96 | 64.96 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305060663 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305072092 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75.46 | 75.46 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 305076278 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305062322 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | $XXXXXX | -.0458 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0458 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305062317 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 57.37 | 57.37 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305062313 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305056362 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 66.56 | 66.56 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305056363 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305070039 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305070038 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305069734 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0938 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0938 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305064038 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 58.27 | 58.27 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305075887 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305071224 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 305067563 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0943 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0943 | 92 | 0.08 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304897449 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305025031 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.33 | 78.33 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305036768 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 304909733 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | .0340 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0340 | 94 | 0.06 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304874817 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| XXXXX | XXXXX | 305024787 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304897423 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304875241 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304897422 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 304897601 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304909033 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304909032 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 305027360 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XX/XX/XXXX |
| XXXXX | XXXXX | 305027514 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 88.41 | 88.41 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XX/XX/XXXX |
| XXXXX | XXXXX | 304898181 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305026595 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305013582 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 305013581 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304909815 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305027332 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 57.75 | 57.75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305042288 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305042287 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305029169 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305024444 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 69 | 69 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305030617 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305027173 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305056905 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305027154 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible | 2.6 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057681 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305029230 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| XXXXX | XXXXX | 305035589 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.45 | 78.45 | $XXXXXX | $XXXXXX | -.0945 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0945 | 93 | 0.07 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305033672 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057941 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305038776 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305046106 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 65 | 65 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305037858 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305031477 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.77 | 78.77 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305069136 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305069724 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305047909 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305076205 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305036830 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 79.1 | 79.1 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305044897 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 79.07 | 79.07 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XX/XX/XXXX |
| XXXXX | XXXXX | 305053483 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305060999 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305056830 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305050808 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305050763 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 41.48 | 41.48 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057680 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305042279 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305059689 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305051357 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| XXXXX | XXXXX | 305054677 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305060823 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305066752 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305056347 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057528 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305061077 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305051441 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305061538 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305061537 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0741 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0741 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305057527 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305057526 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305052323 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305059748 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305060656 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0175 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0175 | 96 | 0.04 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305060996 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 79.27 | 79.27 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305066750 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305054831 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305065536 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305053415 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057523 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305067107 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305057522 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 72.12 | 72.12 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057938 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305064135 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305060710 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305054985 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305060654 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305056340 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305073575 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305065474 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305067562 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 38.46 | 38.46 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305063697 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305067561 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305066749 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305067560 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | $XXXXXX | -.0987 | XXXXXXX |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0987 | 92 | 0.08 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305059682 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX |
| XXXXX | XXXXX | 305074629 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 25.15 | 25.15 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 305064032 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305073506 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305069076 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305070111 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305066745 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XX/XX/XXXX Eligible |  |  |
| XXXXX | XXXXX | 305026500 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 73.08 | 73.08 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305036547 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 51.16 | 51.16 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305038998 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057777 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 60 | 60 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305029924 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX Eligible | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305029916 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 52.99 | 52.99 |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .0103 | XX/XX/XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305029906 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305054651 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305042217 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305044960 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305043004 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305053606 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 74.93 | 74.93 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305047505 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.83 | 78.83 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305046010 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.57 | 78.57 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305046006 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305051151 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305046134 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XX/XX/XXXX |
| XXXXX | XXXXX | 305050070 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XX/XX/XXXX |
| XXXXX | XXXXX | 305056664 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 53.25 | 53.25 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XX/XX/XXXX |
| XXXXX | XXXXX | 305060739 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.7 | 78.7 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.4 | XX/XX/XXXX |
| XXXXX | XXXXX | 305055885 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XX/XX/XXXX |
| XXXXX | XXXXX | 305057968 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 51.22 | 51.22 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XX/XX/XXXX |
| XXXXX | XXXXX | 304869322 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304869291 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 76.15 | 76.15 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304889827 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304899076 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304899065 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305029135 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304898985 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 56.74 | 56.74 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304898971 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 66.87 | 66.87 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305024430 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 2095 Exterior Only Inspection Coop Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 70 | 70 | $XXXXXX | $XXXXXX | .1458 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | .1458 | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305024311 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305029115 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305029093 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305029062 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305034452 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305039425 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305039421 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305039415 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305039403 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305039392 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305039388 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305043808 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305013280 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 76.15 | 76.15 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 304898050 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 59.95 | 59.95 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305039457 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 78.46 | 78.46 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305044573 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 80 | 80 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305031469 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305042644 | XX/XX/XXXX | $XXXXX | $XXXXX | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 75 | 75 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXX | XXXXX | 305053764 | XX/XX/XXXX | $XXXXX |  | 0 | $XXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXX | XXXXXX | $XXXXXX | 81.25 | 81.25 | $XXXXXX | 0 | .0000 | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXXXXX | 0 | .0000 | XXXXXX | XXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 | XX/XX/XXXX |

---

## Exhibit 99.41

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.41**

![](ex9941_001.jpg)

**Se** **lene Diligence LLC ("Selene") Due Diligence Review Narrative ("Report")**

Selene's Report, which is to be made available to the recipients by the Client, includes the loan level results of Selene's independent, third-party due diligence review conducted on behalf of the Client. The scope of review for these loans is as follows:

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by JPMorgan Chase Bank, National Association (the "Client"). The review was conducted between February 19, 2025 and March 27, 2026 via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population of 2 QM loans, 57 Non-QM loans, and 72 ATR-QM Exempt for a total of 131 loans (the "Final Securitization Population").

*<u>Cr</u> <u>ed</u><u>it Reviews (131):</u>*

During the Review, Selene performed a credit review on 131 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (131)</u>*

During the Review, Selene performed a compliance review on 131 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (131):</u>*

During the Review, Selene performed a property valuation review on 131 mortgage loans in the Final Securitization

Population.

*<u>Data Integrity Review (131):</u>*

During the Review, Selene performed a Data Integrity Review on 131 mortgage loans in the Final Securitization

Population.

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

![](ex9941_001.jpg)

**<u>FINAL SECURITIZATION POPULATION</u>**

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 131 mortgage loans that formed the Final Securitization Population. The table below summarizes the reviews conducted by Selene.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Review** | &nbsp;&nbsp;**Reviewed Total** | &nbsp;&nbsp;**% of Final Securitization Population** |
| &nbsp;&nbsp;Credit Population | &nbsp;&nbsp;131 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;131 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;131 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;131 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, S&P Global Ratings ("S&P"), DBRS, Inc. ("DBRS"), Fitch Ratings, Inc. ("Fitch"), Moody's Investors Service, Inc. ("Moody's"), and Kroll Bond Rating Agency, LLC ("Kroll") (the "NRSRO(s)").

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

Where available, Selene compared the data fields on the bid tape provided by the Client to the data found in the actual loan file as captured by Selene. This information may not have been available for all mortgage loans.

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

Selene assessed the underwriting guidelines and compared the documentation in the loan file against the stated guidelines for adherence.

**<u>G</u>** **<u>UIDELINES</u>**

Deephaven Wholesale Underwriting Guidelines, Deephaven Correspondent Underwriting Guidelines, JPM Bank Statement Guidelines, CV3 Financial Services Underwriting Procedures, United Wholesale Mortgage Bank Statement Guidelines, Northpointe Underwriting Guidelines, The Loan Store Underwriting Guideline, ACC Underwriting Guidelines, LoanStream One Guide, Paramount Residential Mortgage Group Non-QM DSCR Guidelines (collectively the "Guidelines")

**<u>LOAN GRADING</u>**

The Guidelines referenced above served as the benchmark for grading loans with respect to credit, compliance, underwriting, property valuation and data integrity. Each loan received an "initial" and a "final" grade. The "initial" grade was assigned during the initial loan review. The "final" grade considers additional information and supporting documentation that may have been provided by the originators to clear outstanding conditions. Selene's loan grading is solely based on Selene's independent assessment of all Guideline exceptions and compensating factors for each of the component reviews. Selene provided a comprehensive loan-level analysis that includes initial grades, final grades and detailed commentary on the rationale for any changes in grades and sets forth compensating factors and waivers.

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

![](ex9941_001.jpg)

**<u>S</u>** **<u>C</u><u>OPE OF REVIEW</u>**

Selene examined the selected loan files with respect to the presence or absence of relevant documents, enforceability of mortgage loan documents, and accuracy and completeness of data fields. Selene relied on the accuracy of information contained in loan documentation provided to Selene (for more detail, please refer to Appendix A,B, and C, attached hereto).

![](ex9941_001.gif)

**C** **REDIT REVIEW**

Selene's credit scope of review conducted on this transaction included the following elements:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Assessed
 whet h er the ch a r act e rist i cs o f the mo r tga g e
 l o a n s
 a n d the b o r r o w ers c on f o r m ed t o the G u i d eli n es
 c i t e d
 a b o v e;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Re-calculated LTV, CLTV, income, liabilities and compared these against the Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• A n alyzed
 asset s t at e m e n ts
 to d e t er m i n e
 whet h er f und s
 to c l o se
 a n d res e r v e s
 w e r e
 within t h e Gu i d eli n es;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

![](ex9941_002.gif)

**COMPLIANCE REVIEW**

Selene's compliance scope determined the presence and correct execution of required documents such as the promissory note and security instrument, with respect to the ATR-QM Exempt Loans. With respect to the Non-QM loans, Selene tested whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act. Please see Appendix B for additional information.

![](ex9941_003.gif)

**PROPERTY VALUATION REVIEW**

Selene's Property Valuation scope of review conducted on this transaction included the following elements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **O** **riginal Appraisal Assessment**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• **Va** **lue Supported Analysis**

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

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

![](ex9941_001.jpg)

![](ex9941_001.gif)

**DATA INTEGRITY REVIEW**

Selene uploads tape data into its due diligence application and compares it to the actual documents provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data received from lender/client is stored in a secured FTP folder;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Tape data is uploaded into the application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Loan Reviewer collects validated loan data;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;• Discrepancies found during comparison are stored and reported.

Selene provided the Client with a copy of the initial loan level tape discrepancy report which shows the differences between the data received by the Client versus the data captured by Selene during the loan review.

**<u>S</u>** **<u>UMMARY OF FINDINGS & CONCLUSIONS OF REVIEW</u>**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs.

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 131 mortgage loans, (ii) a Compliance Review on 131 mortgage loans (iii) a Valuation Review on 131 mortgage loans, and (iv) a Data Integrity Review on 131 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 131 mortgage loans; 105 mortgage loans had a rating grade of A, 26 mortgage loans had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** | &nbsp;&nbsp;***Grades per loan (131 overall loans):*** |  |  |
| | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;53 | &nbsp;&nbsp;40.46% | &nbsp;&nbsp;A | &nbsp;&nbsp;105 | &nbsp;&nbsp;105 | &nbsp;&nbsp;105 | &nbsp;&nbsp;105 | &nbsp;&nbsp;105 | &nbsp;&nbsp;80.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;B | &nbsp;&nbsp;26 | &nbsp;&nbsp;26 | &nbsp;&nbsp;26 | &nbsp;&nbsp;26 | &nbsp;&nbsp;26 | &nbsp;&nbsp;19.85% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;24 | &nbsp;&nbsp;24 | &nbsp;&nbsp;24 | &nbsp;&nbsp;24 | &nbsp;&nbsp;24 | &nbsp;&nbsp;18.32% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;51 | &nbsp;&nbsp;51 | &nbsp;&nbsp;51 | &nbsp;&nbsp;51 | &nbsp;&nbsp;51 | &nbsp;&nbsp;38.93% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

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---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |  |  |
| | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;125 | &nbsp;&nbsp;125 | &nbsp;&nbsp;125 | &nbsp;&nbsp;125 | &nbsp;&nbsp;125 | &nbsp;&nbsp;95.42% | &nbsp;&nbsp;A | &nbsp;&nbsp;112 | &nbsp;&nbsp;112 | &nbsp;&nbsp;112 | &nbsp;&nbsp;112 | &nbsp;&nbsp;112 | &nbsp;&nbsp;85.50% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.58% | &nbsp;&nbsp;B | &nbsp;&nbsp;19 | &nbsp;&nbsp;19 | &nbsp;&nbsp;19 | &nbsp;&nbsp;19 | &nbsp;&nbsp;19 | &nbsp;&nbsp;14.50% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**Kroll** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Moody's** | &nbsp;&nbsp;**%** |  |  |  |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;130 | &nbsp;&nbsp;130 | &nbsp;&nbsp;130 | &nbsp;&nbsp;130 | &nbsp;&nbsp;130 | &nbsp;&nbsp;99.24% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |  |  |  |

---

**<u>REVIEW RESULTS SUMMARY (EXCEPTION LISTING)</u>**

Review of the Final Grading Summary (redacted) provides the exceptions in detail and the migration from the initial rating agency grade to the final rating agency grade, based on mitigation/resolution from the client.

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

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

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

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**<u>T</u>** **<u>HIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene Due Diligence Narrative Report

2. ASF Report

3. Grading Summary

4. Exception Detail

5. Tape Discrepancies

6. Valuations Report

7. Supplemental Data

8. Third Party (TPR) Attestation Form

9. Attestation Form 15E

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income calculation,
 as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and is
 a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the file
 meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and assigns";
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in the
 DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
 for any name variations for the borrowers and confirm that the variations have been addressed
 in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
 for any potential occupancy issues based on the borrowers' address history and confirm
 that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
 for any employment issues and confirm that any issues have been addressed in the loan file;

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

&nbsp;&nbsp;&nbsp;&nbsp;5. Reviewed
 for any additional consumers associated with the borrowers' profiles and confirm the
 materiality and material issues have been addressed in the loan file; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
 all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete, accurate,
 and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have been
 recorded or have been sent for recording.

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

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

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

i) failure to provide the right of rescission notice;

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

iii) errors in the right of rescission notice;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19):</u> 

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

ii) proper execution by all required parties;

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

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

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

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

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

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

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

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

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

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

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

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

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Good Faith Estimate (GFE) (§1024.7):</u> 

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>Final HUD-1/A Settlement Statement (HUD) (§1024.8):</u> 

i) confirm current applicable HUD form was provided;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>GFE and Final HUD Comparison (§1024.7):</u> 

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

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

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

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

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

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

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

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

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

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

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

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

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

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

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

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

---

| | |
|:---|:---|
| i) | confirm the presence of LE for applications on or after October 3, 2015; |
| ii) | confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application; |
| iii) | confirm that certain sections of each LE determined to carry assignee liability were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE; |
| iv) | confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency; |
| v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction; | v) confirm if the file indicates a fee was imposed, other than for a credit report, prior to borrower receiving LE and indicating an intent to proceed with the transaction; |
| vi) | confirm that any written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures; |
| vii) | confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance; |
| viii) | confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services); |
| ix) | confirm borrower received LE not later than four (4) business days prior to consummation; and |
| x) | confirm LE was not provided to the borrower on or after the date of the CD. |

---

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

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

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

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

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

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

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

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

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

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

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

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

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

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

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

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

<u>General Ability to Repay</u>

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

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

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

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

a) Providing Appraisals and Other Valuations (12 C.F.R. 1002.14):

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

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

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

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

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

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

**APPENDIX C– VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o The
 i nd ivid u als p er f o r m i n g
 the a f o r e m ent i o n ed o ri g i n al
 a pp ra i sal a sses s m ent a re n o t p er s o n s p r ov i d i n g v al u at i o n s f o r p u r p o ses o f t h e
 U n i f o r m S t a nd ar d s o f P r o f ess i o n al A pp ra i sal P r a cti c e
 (" U S P A P ") o r n e c essari l y
 l i c ensed
 as a pp ra i se r s und er Fe d eral o r S t ate
 l a w, a n d
 t h e se r v ices b ei n g p erf o r m ed b y such p ers on s d o no t c o n st i tute " a pp ra i sal
 r e v i e w s " f o r pu r p o s es o f U S P A P o r Fe d eral o r Sta t e
 l a w.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o Selene
 m akes no r epre s enta t i o n o r w ar r a n ty a s t o t h e v al u e o f any m o rtg ag ed
 p r op ert y , n o t w i thsta nd i n g t h at Selene m ay
 ha v e r e v i e w e d v al u at i o n
 in f o r m at i o n f o r r eas o n a b le n es s .

o Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on

the actual value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene is n o t
 a 'cred i t o r'
 wit h in t h e m ean in g o f ECOA o r o ther l en d i n g
 laws a n d r e g u lati o n s,
 and there f o re Selene will n o t
 ha v e a n y
 c om m un icat i o n w ith o r
 r e sponsi b ility t o any in d ivid u al
 c o n su m er c o n c ern in g
 pro p erty v al u at i on .

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;· Selene
 do es no t c o n fi r m w h e ther
 the ap p ra i ser
 is o n the Fred d ie M ac exclusionary list.

*JPMMT 2026-NQM3 Executive Summary (Selene Diligence)*

## Exhibit 99.42

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.42**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX |  | 304498025 | XXXX | Loan Program | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304498148 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701957 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304701957 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304731335 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304493490 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734711 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304765373 | XXXX | Property Zip Code | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304765373 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304765373 | XXXX | Prepayment Penalty Total Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304765373 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304730921 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818172 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818172 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304731895 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304731895 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304734699 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304819308 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304827036 | XXXX | Loan Type | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304827036 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304827036 | XXXX | Interest Only Flag | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304827036 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840759 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304840759 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304845622 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898784 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898693 | XXXX | Third Party Market Rent Estimate | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898693 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898693 | XXXX | Cash Disbursement Date | hudClosingDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898635 | XXXX | Qualifying Rent Income Source | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898635 | XXXX | Actual in Place Rent From Lease | businessPurposePage | XXXX | XXXX | XXXX |
| XXXX |  | 304898633 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304898821 | XXXX | Note Date | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305040459 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040459 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040459 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040467 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040467 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040468 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040468 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 305040468 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040468 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818257 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304818257 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 304896201 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304896201 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893522 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893522 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304893522 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 304896420 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 304896420 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 304889669 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304896700 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304907271 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304896834 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304875965 | XXXX | Borrower 1 Marital Status | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304875965 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304907204 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 304909614 | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304909614 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304907304 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305059295 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305059295 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305028477 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305028477 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305028477 | XXXX | ARM Initial Fixed Rate Period | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305028477 | XXXX | ARM Lifetime Interest Rate Cap Maximum | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305028477 | XXXX | ARM Subsequent Interest Rate Cap | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 304903224 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304874104 | XXXX | Borrower 1 Citizen | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 304874104 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304908520 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 304909836 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305013418 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305040446 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305028496 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029293 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305080357 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305026121 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305029554 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305029554 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305030626 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036079 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305028195 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305027093 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031074 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305036561 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305040465 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040465 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048624 | XXXX | Verified Doc Type | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX | XXXX | 305048624 | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305054666 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305054666 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048484 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048484 | XXXX | Sales Price | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048484 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305031485 | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| XXXX |  | 305031485 | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031485 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048531 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048531 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048533 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040466 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040466 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040466 | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048565 | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048565 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048399 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048399 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048459 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048459 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040447 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048544 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048544 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048544 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048585 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048585 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305040618 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305054665 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305034526 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031482 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031482 | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305039610 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305039610 | XXXX | Primary Appraisal Date | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305036793 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305031108 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047760 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047760 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047760 | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047760 | XXXX | Monthly Property Tax Amount | titlePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047760 | XXXX | Total Monthly Property Insurance Amount | propertyInsurancePage | XXXX | XXXX | XXXX |
| XXXX |  | 305047760 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305034537 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305034666 | XXXX | Borrower 1 Self-Employment Flag | employmentIncomePage | XXXX | XXXX | XXXX |
| XXXX |  | 305054662 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048416 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048416 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048416 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305030695 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305030695 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305030695 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305051412 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305051412 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305042626 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305042626 | XXXX | Property City | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305042626 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305042626 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305045999 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305045999 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305045999 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048557 | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048557 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305054827 | XXXX | Interest Rate | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305054827 | XXXX | Initial Monthly P&I Or IO Payment | notePage | XXXX | XXXX | XXXX |
| XXXX |  | 305048302 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048302 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047494 | XXXX | Borrower 1 Total Income | the1003Page | XXXX | XXXX | XXXX |
| XXXX |  | 305047494 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047494 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047494 | XXXX | Qualifying CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047494 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305047494 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305059350 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305059350 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048512 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305055010 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305061744 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305061744 | XXXX | Calculated DSCR | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048370 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305048370 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305061098 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305061098 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305064795 | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | XXXX |
| XXXX |  | 305064795 | XXXX | Qualifying Total Reserves Number of Months | assetPage | XXXX | XXXX | XXXX |
| XXXX |  | 305054828 | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | XXXX |

---

## Exhibit 99.43

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.43**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | XXXX | XXXX | 304498148 | Closed | 2025-03-11 02:51 | 2025-03-19 06:18 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage is Less than Loan amount - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Required Document Provided, Changes Made in system, Finding Resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| X XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304701957 | Closed | 2025-05-15 14:45 | 2025-05-19 16:10 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X.<br> - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing Missing business entity final XXXX - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304717898 | Closed | 2025-06-18 01:20 | 2025-07-15 03:48 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets XXXXXXXXX Requirements.Credit report shows months reviewed of XX for previous address mortgage.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Current address we are verify from VOM Page No#XXXX Staying Since XX/XX/XXXX (X Months), however Unable to verify previous address Primary history, Required VOM/LOX To verify XX months history. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Housing History Meets XXXXXXXXX Requirements.Credit report shows months reviewed of XX for previous address mortgage.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX.XXXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-30 14:57 | 2025-07-21 09:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Executed Loan Agreement | Resolved-Lender provided fully executed loan agreement. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Borrower's initials are missing on pgs. XX and XX of Loan Agreement provided. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached loan agreement - Seller-XX/XX/XXXX <br>Counter-Document attached is occupancy affidavit. Executed loan security agreement missing from file. Finding countered. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see attached - Buyer-XX/XX/XXXX <br>Open-Executed Loan Agreement is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached loan agreement - Seller-XX/XX/XXXX<br>| Resolved-Lender provided fully executed loan agreement. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XXXXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXXX_ XXXX XXXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-30 15:00 | 2025-07-09 07:08 | Resolved | 1 - Information D A | Credit | Credit | Payment Letter is missing | Resolved-Lender provided fully executed payment letter. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached first payment letter - Buyer-XX/XX/XXXX <br>Open-Payment letter is not executed. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lender provided fully executed payment letter. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XXXXX XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-30 14:58 | 2025-07-09 07:08 | Resolved | 1 - Information B A | Credit | Doc Issue | Annual Occupancy Certification is Unexecuted | Resolved-Lender provided fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX <br>Open-Occupancy affidavit in file is unexecuted. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached - Seller-XX/XX/XXXX<br>| Resolved-Lender provided fully executed occupancy affidavit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 01:02 | 2025-07-09 07:07 | Resolved | 1 - Information C A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final XXXX is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached final XXXX - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Not Executed The Final XXXX is Incomplete, Borrower signature is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached final XXXX - Seller-XX/XX/XXXX<br>| Resolved-The Final XXXX is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided fully executed Final XXXX. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 00:59 | 2025-07-09 07:05 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see the attached - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Not Executed The Deed of Trust is Incomplete, Signature And Notary date information is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lender provided fully executed DOT. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 00:58 | 2025-07-09 07:05 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached note - Seller-XX/XX/XXXX <br>Open-The Note is Not Executed The Note is Incomplete , signature Date information is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see the attached note - Seller-XX/XX/XXXX<br>| Resolved-The Note is Executed - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided fully executed Note. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XXXXXXXX XXXXXX XXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-07-09 06:55 | 2025-07-09 07:05 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Resolved post changes made in TRID - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open-There are ($XX.XX) of fees paid to the lender disclosed under Loan Estimate Section C "Services You Can Shop For" or Closing Disclosure Section B "Services Borrower Did Shop For". Under Regulation Z, charges included under Section C on the Loan Estimate and Closing Disclosure are charges the consumer will pay for settlement services for which the consumer can shop and did shop that are provided by persons other than the creditor or mortgage broker. (XX CFR XXXX.XX(f)(X); XX CFR XXXX.XX(f)(X)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved post changes made in TRID - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 01:03 | 2025-07-09 06:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD with wet sign provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the attached final CD - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure Is incomplete, Borrower signature date information is missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final CD with wet sign provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730967 | Closed | 2025-06-26 01:36 | 2025-06-30 14:56 | Waived | 2 - Non-Material B | Credit | Income/Employment | Income/Employment General | Waived-Lender provided approved exception in file, p. XXX, to apply XX% expense factor in lieu of expense verification from employer is approved. Expense factor of XX% is conservative for borrower's line of work. Finding waived. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Lender provided approved exception in file, p. XXX, to apply XX% expense factor in lieu of expense verification from employer is approved. Expense factor of XX% is conservative for borrower's line of work. Finding waived. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | X. XXXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> X. XXXXXXXX XXXXXX XX $XXXXX.XX. XXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXX XXXXXXXXXX XX $XXXX. <br> X. XXXXXXXX(X) XXXX XX.X XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX. | XXXX | Investment | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 304730970 | Closed | 2025-07-01 01:55 | 2025-07-09 16:00 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Guidelines do not allow entity to sign note Document Uploaded. Note signed by XXXXX XXXXXXXX XXXXXXXXX XXXXXXXXX- XXXXXXX XXXXXX on behalf of the XXXXXXXX XXXXXX, XXXXX, XXX . Provide Exception. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXX- XXXX XXXXXX XX XXXXXXXX XX XXXXXX XX XXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXXXXXXX.XXX |  | XXX - XXXX XXXX XX.XX%., XX XXXXXXXXXXX XXX XX%.<br> XXXX - XXXX XXXX X.XXX. XX XXXXXXXXXXX XXX X.X<br> XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XX XXXXXXXX XXXXXXX XX XXXX  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Post-Close | No |
| XXXX | XXXX | XXXX | 304730970 | Closed | 2025-07-07 09:50 | 2025-07-08 05:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Confirmation of Rate Lock received - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304730970 | Closed | 2025-07-01 21:38 | 2025-07-07 10:00 | Waived | 2 - Non-Material B | Credit | Eligibility | Ineligible Housing History per program guidelines | Waived-Housing History Does Not Meet Guideline Requirements Exception on page XXX.<br> DSCR Primary Housing Expense: loan file-rent free w/ XXXX , Guideline Requirement- rent or own.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Housing History Does Not Meet Guideline Requirements Exception on page XXX.<br> DSCR Primary Housing Expense: loan file-rent free w/ XXXX , Guideline Requirement- rent or own.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |  |  | XXX - XXXX XXXX XX.XX%., XX XXXXXXXXXXX XXX XX%.<br> XXXX - XXXX XXXX X.XXX. XX XXXXXXXXXXX XXX X.X<br> XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XX XXXXXXXX XXXXXXX XX XXXX  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 304734520 | Closed | 2025-07-10 09:45 | 2025-08-26 14:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXXXXXXX agrees to accept the LTV X% exception based on comp factors: XXX FICO; > X DSCR; Seasoned Investor - Seller-XX/XX/XXXX <br>Counter-No document uploaded - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see seller specific guidelines and approval letter attached. To my knowledge this seller has always used their guides and been submitted for review under the correspondent transaction. - Buyer-XX/XX/XXXX <br>Counter-Provide matrix and guides - this was uploaded to Correspondent transaction and has been reviewed against those guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Per XXX XXX guides no cash out refi unleased max is XX%. Please rescind. - Buyer-XX/XX/XXXX <br>Open-Audited LTV Exceeds Guideline LTV Unleased refinance max LTV is XX% per guidelines, per appraisal property is vacant and lease is missing in file. An exception was not provided - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-XXXXXXXXX agrees to accept the LTV X% exception based on comp factors: XXX FICO; > X DSCR; Seasoned Investor - Seller-XX/XX/XXXX<br>| Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XXXX XXX XXXXXXX XXX XXXXXXXXXX XX XXX<br> XXXXXXXX XX.XX XXXXXXX XXX XXXXXXXXXX XX X XXXXXX<br> XXXXXXX XXXXXXX XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XXXXXXX | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304734520 | Closed | 2025-07-07 22:23 | 2025-07-15 16:24 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Seller cannot produce, XX acknowledged. Please downgrade to Non-Material Grade X - Buyer-XX/XX/XXXX <br>Counter-Initial Business purpose affidavit is still missing in file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Business Purpose Affidavit attached - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V X Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial and final Business Purpose Affidavit Disclosure is missing in the file required for DSCR<br> - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304731335 | Closed | 2025-07-25 05:22 | 2025-08-04 09:50 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing Entity XXX is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304493490 | Closed | 2025-07-31 23:16 | 2025-08-22 06:13 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested XX Months Primary Housing History Provided in VOM, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Per final XXXX current primary is a rental, VOR on page XXXX only reflects X months of verification. Missing VOr for previous primary rental information in file to verify a full XX month history. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested XX Months Primary Housing History Provided in VOM, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXXX - XXXXXXX XXXXXXXXX.XXX_XXXXX_<br> XXX XXXXX XXXXXXXXX (X).XXX_XXXXX_<br> XXX XXXXXXX XXXXXXX.XXX_XXXXX_<br> XXXXX XXXXXX XXX X XXXXXX.XXX_XXXXX_<br> XXX XXX X XXXXX.XXX_XXXXX_<br> XXXXX XXXX XXXX.XXX_XXXXX_<br> XXX XXXX XXXX (X).XXX_XXXXX_<br> XXX XXXX XXXX (X).XXX_XXXXX_<br> XXXXX - XX X XXXXX.XXX_XXXXX_<br> XXX XXXX XXXXXXXX XXX XXXXXXXX XXXXXXXX XXXXXXX XXXX XXX XXXX.XXX_XXXXX_<br> XXX XXXX XXXX (X).XXX_XXXXX_<br> XXX XXXX XXXX (X).XXX_XXXXX_<br> XXXXXX XXXX XXXX (X).XXX_XXXXX_<br> XXXX XXXX XXXX (X).XXX_XXXXX_<br> XXX XXX XXXX XXXX XXXX (X).XXX_XXXXX_<br> XXXXX XXXX XXXX (X).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304493490 | Closed | 2025-08-06 19:14 | 2025-08-22 06:11 | Waived | 2 - Non-Material C B | Credit | Assets | Asset 1 Expired | Waived- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Asset X Expired IRa on page XXXX is dated X/XX/XX, Per guidelines on page XXX Assets must be seasoned for XX days from closing. Cash out proceeds is not sufficient to cover minimum reserve requirement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>|  | XXXXXXXXX XXXXXXXX.XXX |  | XXXX XXX XXXXXXX XXX XXXXXXXXXX XX XXX<br> XXXXXXXXXX XXXXXXXXXX- XXXXXXXX XXXX X XXXXXXXXXX XXXXXXXXXX- XXXXXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXX<br> XXXXXX XXXXXXX- XXXX>XX XXXXX XXXXXXX XXX XXXXXXXXXX XX XXXXXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 304493490 | Closed | 2025-08-01 05:27 | 2025-08-19 01:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Final Cd is not executed - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Executed Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXX XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304493490 | Closed | 2025-07-31 22:11 | 2025-08-18 07:00 | Resolved | 1 - Information C A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Signed Deed of Trust provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Not Executed Deed of Trust is not signed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Signed Deed of Trust provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXXX_XXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304757419 | Closed | 2025-08-06 05:11 | 2025-08-21 14:10 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Client provided evidence the borrowers received the initial CD on X/XX/XX. Mavent is passing. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Tracking information showing Initial CD was sent to borrower on X/XX uploaded for review. - Seller-XX/XX/XXXX <br>Counter-The initial CD issue date is X/XX/XX, however the signature date on the initial CD provided is X/XX/XX and the closing date is also X/XX/XX. This loan is failing the Federal - Closing Disclosure and Consummation Date test because under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Counter to condition uploaded for review. - Seller-XX/XX/XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Missing initial CD. Initial Closing Disclosure provided issued X/XX/XX is not three business days before the consummation date of X/XX/XX. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Tracking information showing Initial CD was sent to borrower on X/XX uploaded for review. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller Counter to condition uploaded for review. - Seller-XX/XX/XXXX<br>| Resolved-Client provided evidence the borrowers received the initial CD on X/XX/XX. Mavent is passing. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX XXXXXXX XX XXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXX - XXXXXXX XX-XXXXX XXX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304757419 | Closed | 2025-08-06 23:13 | 2025-08-15 04:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gap Report uploaded for review. - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Borrower X Gap Credit Report - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Gap Report uploaded for review. - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX-XXX - XXX XXXXXX X.XX.XX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304757419 | Closed | 2025-08-06 23:13 | 2025-08-15 04:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Gap Reports uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Missing Missing Borrower X Gap Credit Report - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X Gap Credit Report provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXX-XXX - XXX XXXXXX X.XX.XX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304734711 | Closed | 2025-08-13 05:26 | 2025-08-19 06:24 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Previous HOI policy doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Updated insurance before note date not in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Previous HOI policy doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX_XXXXXXXXX_XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304765373 | Closed | 2025-08-14 04:36 | 2025-10-30 08:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Prepayment is not marked in DOT. Borrower signed as individual on DOT, however; on first page of DOT LLC name is reflecting. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved. Signed and fully executed. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXXX XXXXXX XXX XXX XXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304765373 | Closed | 2025-08-14 07:31 | 2025-10-29 01:01 | Resolved | 1 - Information C A | Credit | Doc Issue | Prepayment Rider Missing | Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br>Open-Prepayment Rider is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX<br>| Resolved-prepayment Rider is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXXX XXXXXX XXX XXX XXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304765373 | Closed | 2025-08-14 04:11 | 2025-09-03 14:38 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X. - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Date is missing on Initial signed Business Purpose Affidavit. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304765373 | Closed | 2025-08-14 07:05 | 2025-08-21 02:08 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per XXXXXXXXX requirements and CU Score, if present, is greater than X.X Second Appraisal/Valuation is missing and is required for Securitizations. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Desk Review Provided. Updated & Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXX.XXX_XXXXX_<br> XXXX X.XXX_XXXXX_<br> XXXX X.XXX_XXXXX_<br> XXXXXXXX XXXXXXX (X).XXX_XXXXX_<br> XXXX X.XXX_XXXXX_<br> XXX-XXX_XXXXXX_XXXXXX_XXX_XXXXXXX_XX_XXXXX_XXXXXXXX_XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304818172 | Closed | 2025-08-19 09:07 | 2025-08-26 14:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Photo Identification Type Missing | Resolved-As per XXXXXXXXXX, Voter ID is acceptable ID. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-The documents attached are in the file. The photo ID for the borrower is a XXXX Registration card. Requesting updated Photo ID.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The photo ID for the borrower is a XXXX XXXX. Requesting updated Photo ID. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-As per XXXXXXXXXX, Voter ID is acceptable ID. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXX.XXX_XXXXX_<br> XXXXXX XXXX.XXX_XXXXX_<br> XXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304818172 | Closed | 2025-08-19 09:51 | 2025-08-21 15:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-The DSCR calculation worksheet provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The DSCR calculation worksheet is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The DSCR calculation worksheet provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304818172 | Closed | 2025-08-19 04:33 | 2025-08-21 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Policy is missing the Dwelling amount and Rent Loss Coverage. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Hazard Insurance Policy uploaded. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304763820 | Closed | 2025-08-19 12:04 | 2025-08-27 10:00 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-Lender provided exception for not having XX month seasoning for an ITIN cash out. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Cash Out is not completed according to the XXXXXXXXX requirements Per XXXXXXXXXX, seasoning requirements for cash out are a minimum of XX months for ITIN. Title is vested in X X XXXXX XXXXXXX & XXXXXX XXX. X X XXXXX XXXXXXX & XXXXXX XXX purchased the property X/XX/XX. Missing XX month requirement. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided exception for not having XX month seasoning for an ITIN cash out. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304731895 | Closed | 2025-09-05 09:18 | 2026-01-14 02:39 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-VOM is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements Provide LOX, VOM or VOR to confirm housing history. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-VOM is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Meets XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXX XXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304731895 | Closed | 2025-09-05 09:34 | 2026-01-05 07:51 | Resolved | 1 - Information C A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated appraisal report. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br>Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) Review Product X Valuation is Expired - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX<br>| Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated appraisal report. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXXXX XXXXXXXXX _X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304731895 | Closed | 2025-09-05 10:00 | 2025-09-12 00:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304734699 | Closed | 2025-09-08 07:35 | 2026-01-14 03:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage is less than Loan amount, provided Updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Title Coverage is less than Loan amount, provided Updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXX XXXXXX - XXXX-XXXXXXX XXXX XXXXXX X (XX).XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304734699 | Closed | 2025-09-08 08:33 | 2026-01-05 07:50 | Resolved | 1 - Information C A | Property | Appraisal | Review Product 1 Valuation is Expired | Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated post close review. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br>Open-Review Product X Valuation is Expired (Review Product X Valuation Date is greater than XXX days from the Note Date of XX-XX-XXXX. Days Difference is XXX) Review Product X Valuation Date reported is XX/XX/XXXX which is more than XXX Days. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX<br>| Resolved-Review Product X Valuation is Not Expired Or Review Product X Valuation Does Not Exist - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated post close review. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXXXX XXXXXXXXX _X.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304734699 | Closed | 2025-09-08 08:55 | 2025-09-12 00:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304734699 | Closed | 2025-09-08 08:42 | 2025-09-12 00:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy for subject property provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Hazard Insurance Policy for subject property provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304819308 | Closed | 2025-09-10 22:39 | 2025-09-18 05:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Business Purpose Affidavit provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business purpose affidavit signed before closing is not present in file, according to XX Guidelines under DSCR program Business Purpose affidavit signed by the borrower both at submission and closing is required.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Business Purpose Affidavit provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX XXXXXXXX XXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304819308 | Closed | 2025-09-10 23:00 | 2025-09-18 04:29 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Policy does not covers loan amount, Provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated title uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title provided shows coverage amount of $XXX,XXX while the loan amount is $XXX,XXX, a supplement report is required that is covering the loan amount. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Title Policy does not covers loan amount, Provided updated title document, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX XXXXXXXX XXXXXXX XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304819308 | Closed | 2025-09-11 01:12 | 2025-09-18 03:24 | Resolved | 1 - Information D A | Compliance | Missing Doc | Escrow Waiver is Missing | Resolved-Escrow waiver Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Escrow waiver uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Taxes and Insurance are waived as per the Final closing disclosure, Escrow Waiver is required. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Escrow waiver Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX XXXXXXXXXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304825252 | Closed | 2025-09-14 03:19 | 2025-09-23 05:27 | Resolved | 1 - Information B A | Credit | Doc Issue | Prepayment Notice is Missing | Resolved-Requested Prepayment Addendum to Note Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Open-Missing Prepayment Addendum to Note. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested Prepayment Addendum to Note Provided, Updated & Condition resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXX XXXXXXXXXX XXXXXXXX XX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304840755 | Closed | 2025-09-29 15:56 | 2025-10-01 14:00 | Acknowledged | 2 - Non-Material D B | Compliance | Missing Doc | The Final 1003 is Missing | Acknowledged-XX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX Agrees to waive; please downgrade to a Non-Material Grade X - Buyer-XX/XX/XXXX <br>Open-The Final XXXX is Missing Provide complete executed XXXX including vesting as LLC as required per guidelines XX.X.X. - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-XX Acknowledged. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304827036 | Closed | 2025-10-06 07:23 | 2025-12-10 07:18 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-PCCD dated XX/X/XXXX provided w/ corrected prepayment penalty. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached corrected CD - Due Diligence Vendor-XX/XX/XXXX <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Prepayment Penalty on Closing Disclosure Is $XX,XXX does not match the prepayment penalty calculation on the Note is $XX,XXX. Additionally, per matrix a X yr penalty should have a X%, X%, X% stepdown fee structure. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-PCCD dated XX/X/XXXX provided w/ corrected prepayment penalty. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304827036 | Closed | 2025-10-06 08:28 | 2025-11-06 09:21 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Open-XX approves exception for missing initial business purpose and occupancy affidavit. Affidavit signed at closing. Comp Factors: XXX Fico, XX mos reserves, X.XX FICO - Buyer-XX/XX/XXXX <br>Open-XX approves exception for missing initial business purpose and occupancy affidavit. Affidavit signed at closing. Comp Factors: XXX Fico, XX mos reserves, X.XX FICO - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. BP Affidavit from origination is missing from the file. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XXX XXXX<br> XX XXXXXX XXXXXXXX<br> X.XX XXXX | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304840759 | Closed | 2025-10-08 23:44 | 2025-10-20 16:22 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Resolved, accepted case-by-case. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud report shows free and clear. Additional we can use this guideline as a borrower being rent free/free & clear can be considered case by case as long as no reverse occupancy concerns. Seems the UW didn't have any concerns - Buyer-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Unable to verify the primary Housing History. The Open Lien Report, p XXX, reflects that there is a lien on the primary residence at XXXX XXXXXXXXXXX XXXXXX however it is not reflected on the CR, there is no VOM in file, nor is there proof that the lien has been satisfied. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved, accepted case-by-case. - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304840759 | Closed | 2025-10-08 23:44 | 2025-10-17 04:17 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico Mis match from XXXX to credit liabilities, provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XXXX attached - Buyer-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. The Qualifying FICO on the XXXX Page is 'XXX', but the Qualifying FICO from the Credit Liabilities Page is 'XXX'. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Fico Mis match from XXXX to credit liabilities, provided updated XXXX, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX - XXXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304840759 | Closed | 2025-10-16 10:27 | 2025-10-17 04:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The XXXX reflects that there is a mortgage on the second home at XXXX XXXXX XXXXXXX XXXXX in the amount of $XXXk that has not been verified on the CR and there is no VOM for it in file. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304898675 | Closed | 2025-11-14 06:28 | 2025-12-03 06:57 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded Cash-Out LOE - Seller-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Provide LOE regarding borrowers use of cash out proceeds as required per X/X's. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded Cash-Out LOE - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_XXXX-XXXX XXX.XXX |  | XXXXXXXX, XXXXXX XX XXXXXXXXXXX XXX XXXX XXX XXXXXXXX. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304898693 | Closed | 2025-11-18 01:47 | 2025-11-25 02:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Finding added for Lease agreement is Expired, In file Lease agreement states Lease term auto renewal after expiration of term, Changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to SECTION X.X b of the lease agreement which states that the lease renews automatically. - Seller-XX/XX/XXXX <br>Open-Lease Agreement for UnitX is expired per lease document XXX-XXX. Provide updated Lease Agreement.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to SECTION X.X b of the lease agreement which states that the lease renews automatically. - Seller-XX/XX/XXXX<br>| Resolved-Finding added for Lease agreement is Expired, In file Lease agreement states Lease term auto renewal after expiration of term, Changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304898659 | Closed | 2025-11-19 11:39 | 2025-12-05 11:57 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Exception in Findings approved for reserve shortage of $XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Counter-The asset sizer provided XX/XX/XXXX does not document the assets in the file. The most recent bank statement dated XX/X/XXXX has an ending balance of $XX,XXX.XX and page #XX shows the debit for the $X,XXX EMD which is for another property (XXXX XXXXXXXXXX XXXXXX) not our subject. Total funds required is calculated at $XX,XXX.XX which the amount of verified funds including the $X,XXX EMD is still short $XXX.XX. Provide proof of additional funds and EMD to satisfy the funds to close. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded sizer with enough assets for reserves; deleting $X,XXX EMD. - Seller-XX/XX/XXXX <br>Counter-XXXX XXXX statement on page #XX debit $X,XXX is for another property (XXXX XXXXXXXXXX XXXXXX) not our subject. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to pages XX - XX to the XXXX XXXX October statements. Specifically, page XX reflects the EMD of $X,XXX being withdrawn. - Seller-XX/XX/XXXX <br>Counter-Provide EMD for $Xk on subject property. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX <br>Counter-EMD on page #XXX is for another property and the most recent bank statement dated XX/X/XXXX on page #XX has an ending balance of $XX,XXX.XX (#XXXX). The two prior month's bank statements (#XXXX) only show deposits for other properties. Provide EMD for subject transaction per settlement statement and additional assets as the $XX,XXX.XX from the most recent statement plus the EMD of $X,XXX leaves a short of -$XXX.XX to meet the XX X months reserve requirement. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded sizer with correct asset balance and reflecting enough assets to support down payment and reserves. Funds required $XX,XXX.XX + required reserves $X,XXX.XX = assets required $XX,XXX.XX. Verified funds $XX,XXX.XX - Seller-XX/XX/XXXX <br>Open-Per the X/X/XXXX XX - X months reserves are required. Per pages XX-XX of the bank statements and funds wired for closing the borrower is short reserves only meeting X.XX months of the required X months. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/X/XX - XX - Uploaded sizer with enough assets for reserves; deleting $X,XXX EMD. - Seller-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - XX - RESCIND FINDING PLEASE - Please refer to pages XX - XX to the XXXX XXXX October statements. Specifically, page XX reflects the EMD of $X,XXX being withdrawn. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo reflecting approved exception for reserve shortage - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded sizer with correct asset balance and reflecting enough assets to support down payment and reserves. Funds required $XX,XXX.XX + required reserves $X,XXX.XX = assets required $XX,XXX.XX. Verified funds $XX,XXX.XX - Seller-XX/XX/XXXX<br>| Waived-Exception in Findings approved for reserve shortage of $XXX.XX. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_XXXXXX XXXX.XXX_XXXXX_<br> XXXXXXX_XXXXX.XXX |  | '-XXXXXX XXXXX XX XXX - XX XXXXXXX XXXX XX XXX.<br> - XXXXXXX XXXX XX X.XXX - XX XXXXXXX XXXXXXXX X.XX. | XXXX | Investment | Purchase | NA | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | XXXX | 304898821 | Closed | 2025-11-17 04:05 | 2025-11-21 00:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Credit memo doc provided. Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo - Seller-XX/XX/XXXX <br>Open-Credit memo is missing from file. Documentation is required to confirm loan details including the qualifying matrix, XXXX, etc - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. XX/XX/XX - XX - Uploaded Credit Memo - Seller-XX/XX/XXXX<br>| Resolved-Credit memo doc provided. Resolved<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-19 06:21 | 2025-12-18 11:19 | Resolved | 1 - Information A | Compliance | TRID | Federal - Inaccurate Closing Disclosure APR - Redisclosure and Waiting Period | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The Annual Percentage Rate of (X.XXX%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than X business days before the consummation date of (XXXX-XX-XX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(A); XXXX.XX(a)(X)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The Annual Percentage Rate of (X.XXX%) on the Closing Disclosure is inaccurate. Under Regulation Z, if the APR is inaccurate, a consumer must receive a corrected Closing Disclosure no later than X business days before the consummation date of (XXXX-XX-XX). If corrected disclosures are delivered to a consumer other than in person, a consumer is deemed to have received them X business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii); XXXX.XX(f)(X)(ii)(A); XXXX.XX(a)(X)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-19 06:21 | 2025-12-18 11:19 | Resolved | 1 - Information A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-The disclosed finance charge ($XXX,XXX.XX) is ($X,XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); XXX XX(c)(X)(ii)-X) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-19 06:21 | 2025-12-18 11:19 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Flood cert fee increased by $X.XX no COC needed - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-not resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Flood Certification Fee, Title Endorsement Fee, Points - Loan Discount Fee, Title Endorsement Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Fees increased from Initial Le to final Cd and there is no COC to the tolerance - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Flood cert fee increased by $X.XX no COC needed - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XX XX.XX.XXXX XXX XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-19 06:21 | 2025-12-18 11:19 | Resolved | 1 - Information A | Compliance | Tolerance:APR | Federal - Closed End APR Disclosure Tolerance (Regular) | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-sellers rebuttal attached, provide more clarification - Buyer-XX/XX/XXXX <br>Open-The disclosed APR (X.XXX) is lower than the actual APR (X.XXX) by more than .XXX%. The Truth in Lending Act considers a disclosed APR inaccurate if it is lower than the actual APR by more than .XXX% on a regular mortgage transaction. (XX CFR XXXX.XX(f), XXXX.XX(a)(X), & XXXX.XX(a)(X)) - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-compliance ran in error initial Cd is missing - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-12-10 03:31 | 2025-12-18 11:19 | Resolved | 1 - Information C A | Compliance | Mavent | Tolerance: Disclosure | Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. sellers rebuttal attached - Seller-XX/XX/XXXX <br>Open-The Prior CDX sent on (XXXX-XX-XX) was received at least X business days before closing. The Last CD sent on (XXXX-XX-XX) was not received at least X business days before closing. The Prior CDX (X.XXX%) APR is inaccurate when compared to the (X.XXX%) actual APR. If the APR is inaccurate, a consumer must receive a corrected CD no later than (XXXXXXXX), which is X business days before the (XXXX-XX-XX) Consummation Date. If a corrected CD is not provided in person, a consumer is deemed to have received it X business days after the corrected CD is mailed or delivered, unless there is evidence of earlier receipt. The APR on the CD received at closing must be accurate when compared to the APR on the CD received at least X business days before closing and the actual APR. (XX CFR XXXX.XX(f)(X)(ii)(A); XXX XX(f)(X)(ii)-X) Provided Initial Cd on XX/XX/XXXX and closing date is XX/XX/XXXX which is more than X business days - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. sellers rebuttal attached - Seller-XX/XX/XXXX<br>| Resolved-Resolved - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-12-18 06:06 | 2025-12-18 06:13 | Resolved | A | Compliance | TRID | Federal - Loan Estimate Disclosure Presumed Received and Intent To Proceed | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  |  |  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040459 | Closed | 2025-11-16 09:05 | 2025-12-10 03:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure initial Closing Disclosure is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-20 21:19 | 2025-12-23 11:41 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | Resolved-the correct number for the LO was clarified. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-the NMLS ID is wrong in your last rebuttal. It is XXXXXXX as shown on the final XXXX and the NMLS document I previously uploaded. Please review and rescind. Thank you - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The NMLS ID (XXXXXXXX) of the loan originator does not exist. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached, - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-the NMLS ID is wrong in your last rebuttal. It is XXXXXXX as shown on the final XXXX and the NMLS document I previously uploaded. Please review and rescind. Thank you - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached, - Seller-XX/XX/XXXX<br>| Resolved-the correct number for the LO was clarified. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXX - XXXXXXXXXX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:39 | 2025-12-10 10:04 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-the letter of intent was provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide intent to proceed doc. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-the letter of intent was provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:39 | 2025-12-10 03:54 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership counselling is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Homeownership counseling disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership counselling is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXXXXX XXXXXXXXXX XXXXXX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:41 | 2025-12-10 03:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Home Loan Toolkit is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Provide home loan toolkit doc. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Home Loan Toolkit is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX - XXXX XXXX XXXX XXXXXXX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:38 | 2025-12-10 03:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service Provider List is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Provide service provider list doc. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Service Provider List is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX - XX XXXX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 23:39 | 2025-12-10 03:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Initial CD. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Initial Cd Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040467 | Closed | 2025-11-16 22:25 | 2025-12-10 01:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Xrd Party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Provide Xrd party VOE doc with in XX business days from closing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| Resolved-Xrd Party VOE is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXX XXXXXXX.XXX |  |  | XXXX | Second Home | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-12-21 09:44 | 2026-01-29 09:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($X.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please read the LOE in it's entirety. Per Seller: We are not required to provide a COC for fees <br> that do not exceed the XX% tolerance as per the guidance from the CFPB below. Also, <br> recording fees are not calculated as an individual fee but rather are bucketed with other <br> fees for a tolerance calculation on the entire set of fees not to exceed XX%. We do not need to provide a COC for this. Please escalate. - Seller-XX/XX/XXXX <br>Counter-Settlement fees increased from $X,XXX to $X,XXX and the doc stamps fee increase $XXX to XXX, both were increased by $X.XX and a change of circumstance was not in the file. The recording fee also increased by $XXX to $XXX which was more than a XX% increase. The file did not contain a change of circumstance.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The recording fees increased from $XXX to $XXX on the final CD which is more than the allowable XX% variance. Additionally the doc stamp fees increased from $XXX to $XXX on the final CD. As a result, this caused an overall intolerance (less $X lender credit) of $XX.XX. A change of circumstance for the increase was not provided. - Due Diligence Vendor-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please read the LOE in it's entirety. Per Seller: We are not required to provide a COC for fees <br> that do not exceed the XX% tolerance as per the guidance from the CFPB below. Also, <br> recording fees are not calculated as an individual fee but rather are bucketed with other <br> fees for a tolerance calculation on the entire set of fees not to exceed XX%. We do not need to provide a COC for this. Please escalate. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXXXXXXX XXXX.XXX_XXXXX_<br> XXXXXX_XXXX_XXXX-XXXXX-XXXXXXXXXX-XXXXXXXXXX-XXXX.XXX_XXXXX_<br> XXX XXXXXXXXX XXXX (X).XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-11-25 22:24 | 2025-12-29 10:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See attached - Buyer-XX/XX/XXXX <br>Counter-Thank you. The request was for a VOE dated w/in XX business days of closing. A Credit Report was uploaded instead. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXX XXXXX XXXXXX XX XXXX XX XXXXXXX XX.XX.XXXX.XXX_XXXXX_<br> XX XXX XXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-12-02 12:45 | 2025-12-21 09:59 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP dated X/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-ITP dated X/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXXXXXXXXXXXXX XX XXXXXX XX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-11-27 06:31 | 2025-12-21 09:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Requested toolkit provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| Resolved-Requested toolkit provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX - XXXX XXXX XXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-11-27 06:32 | 2025-12-21 09:58 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Requested homeownership counseling disclosure provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| Resolved-Requested homeownership counseling disclosure provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXXXXX XXXXXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-12-02 12:40 | 2025-12-21 09:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD dated XX/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. please see all attachment - ICD and ICD/COC attached. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure The Initial CD is missing from the file. Provide along w/ any applicable change of circumstances. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please see all attachment - ICD and ICD/COC attached. - Seller-XX/XX/XXXX<br>| Resolved-Initial CD dated XX/XX/XXXX provided by lender. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXX XXX XXXXXX XX.XXX_XXXXX_<br> XXXXXXX XX XXX XXX.XXX_XXXXX_<br> XX XXXXXXX XX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-12-02 12:17 | 2025-12-21 09:29 | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-XXXXD Completion Report is Missing - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-XXXXD Completion Report is present - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXXX XXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040468 | Closed | 2025-11-25 22:35 | 2025-12-19 02:11 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Requested gap credit report that is within the XX business days from closing provided, updated & condion resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. uploaded - Seller-XX/XX/XXXX<br>| Resolved-Requested gap credit report that is within the XX business days from closing provided, updated & condion resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXX XXXXX XXXXXX XX XXXX XX XXXXXXX XX.XX.XXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304818257 | Closed | 2025-11-26 04:10 | 2026-01-08 09:33 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find copies of both appraisals to clear this finding. - Buyer-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation missing in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX X-X XXXXX XX XX XXXXXXXXX - X.XXX_XXXXX_<br> XXXXXXXXXX XX XXXXXXXXX - X.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304818257 | Closed | 2025-11-26 05:40 | 2025-12-03 13:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Loan does not conform to program guidelines Exception Approved - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Loan does not conform to program guidelines Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XXX XXXXXX XXXXXX, XXXX XXX XXXXXXXXXXX XXXXXXXXX XXXXXX XXXXXXXX XXXXXXX - XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX.<br> XXXXXX XXXXXX XXXXX XXXX XXXXXXXXX XXXXX XXXX XX XXXX - XXXXXXXX XXXXXXX XXXXXXX XX XXXX, XX XXXXXX. XXXXXXX XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXXX, XX XXXXXX. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-11-28 08:42 | 2025-12-23 15:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided and Compliance was run. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Initial CD Missing in file, provided the same, changes made in system, Finding Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure The Initial CD is missing. Upon receipt, Compliance can be run. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Initial CD provided and Compliance was run. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-12-03 14:35 | 2025-12-23 14:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Home Loan Toolkit provided in Findings: DISCLOSURE - YOUR HOME LOAN XXXXXXX.XXX XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Toolkit is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Home Loan Toolkit provided in Findings: DISCLOSURE - YOUR HOME LOAN XXXXXXX.XXX XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXXXXX XXXXXXXXXX XXXXXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXX - XXXX XXXX XXXX XXXXXXX.XXX XXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-12-03 14:35 | 2025-12-23 14:38 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling list provided in Findings: DISCLOSURE - HOMEBUYER COUNSELING NOTICE XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Homeownership Counseling Disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Homeownership Counseling list provided in Findings: DISCLOSURE - HOMEBUYER COUNSELING NOTICE XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX - XXXXX.XXX_XXXXX_<br> XXXXXXXXXX - XXXXXXXXX XXXXXXXXXX XXXXXX XXXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXXXXX XXXXXXXXXXX XXXXXXXXXX XXXXXXXXX. XXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-11-28 08:43 | 2025-12-23 14:35 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-Executed Intent to Proceed provided in Findings: Findings: INTENT XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed is missing in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Executed Intent to Proceed provided in Findings: Findings: INTENT XXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-12-01 00:24 | 2025-12-23 05:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service providers List Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Service Provider List is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Service providers List Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXXXXX XXXXXXX XXXXXXXX XXXX - XXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-11-28 10:15 | 2025-12-15 10:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-acknowledged - Buyer-XX/XX/XXXX <br>Open-Approved Exception on p XXX. Manager Notes: "Exception for IPC X% vs X% max for purchase with preferred seller. Exception vetted and approved by SVP of UW and capital markets." - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XXXX XXX (XXX XXX)<br> XX XXXXXX XXXXXXXX (X XXXXXX XXXXXXXX)<br> XXX XX.XX% (XXX XX%), XXX XX% (XXX XX%) | XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304896201 | Closed | 2025-11-28 10:11 | 2025-12-15 10:23 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-acknowledged. - Seller-XX/XX/XXXX <br>Open-Approved Exception on p XXX. Manager Notes: "Exception approved for residual $X,XXX vs $X,XXX. Bwr has XXX CS, X yr rental in current apartment with satisfactory VOR. Has been S/E in same business over X yrs. Bwr's business (mobile auto repair) is registered to his apartment and doesn't have brick and mortar location or overhead, but qualified at XX% expense ratio for worst case. XX% contribution from bwr's own funds and > XX mo reserves". \*Audited calculated residual income is $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-acknowledged. - Seller-XX/XX/XXXX<br>| Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XXXX XXX (XXX XXX)<br> XX XXXXXX XXXXXXXX (X XXXXXX XXXXXXXX)<br> XXX XX.XX% (XXX XX%), XXX XX% (XXX XX% | XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304893522 | Closed | 2025-12-01 03:06 | 2026-01-13 06:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see explanation from UW attached to clear this finding. - Buyer-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Evidence of the Property Tax ($XXX.XXmonthly / approx. $X,XXX.XX annual) is missing from the file<br> - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXX - XXXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304893522 | Closed | 2025-12-01 02:57 | 2026-01-13 03:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Final Business Purpose Affidavit disclosure provided - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find a copy of the signed Business Purpose Affidavit to clear this finding. - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit final document missing in file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final Business Purpose Affidavit disclosure provided - Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304893522 | Closed | 2025-12-01 02:46 | 2025-12-05 15:57 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Exception available in page no #XXXX-XXXX for transferred appraisal completed after application date is approved. Acceptable LOE in file to support delayed appraisal.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception available in page no #XXXX-XXXX for transferred appraisal completed after application date is approved. Acceptable LOE in file to support delayed appraisal.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XXXX XX X.XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X.<br> XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX. | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 304896420 | Closed | 2025-12-12 08:50 | 2026-01-05 08:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the corrective - Buyer-XX/XX/XXXX <br>Ready for Review-Origination date: XX/XX/XXXX<br>Maturity date: XX/XX/XXXX<br>Calculation<br>From December XXXX to December XXXX is XX years.<br>XX years × XX months = XXX months<br>The maturity date is X days earlier than the exact XX-year anniversary, but that does not reduce the month count under standard loan-term conventions.<br>Loan term: XXX months - Buyer-XX/XX/XXXX <br>Open-The Note is Incomplete Updated Note is required due to current maturity date not equal to term of XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXX_XXXXXXXXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304896420 | Closed | 2025-12-12 08:51 | 2026-01-05 08:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see corrective note - Buyer-XX/XX/XXXX <br>Ready for Review-Origination date: XX/XX/XXXX<br>Maturity date: XX/XX/XXXX<br>Calculation<br>From December XXXX to December XXXX is XX years.<br>XX years × XX months = XXX months<br>The maturity date is X days earlier than the exact XX-year anniversary, but that does not reduce the month count under standard loan-term conventions.<br>Loan term: XXX months - Buyer-XX/XX/XXXX <br>Open-Updated DOT is required due to current maturity date not equal to term of XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXXXXXXXX_XXXXXXX_XXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304889669 | Closed | 2025-12-15 11:18 | 2026-01-09 14:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Divorce Decree | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/X MM: Please see attached document. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Uploaded is LOE only provided by Borrower regarding Divorce. G/L Borrower may have obligations such as Alimony, etc. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX MM: Please see final title policy that shows the judgement from title is removed. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Uploaded is LOE only provided by Borrower regarding Divorce. Divorce decree not uploaded. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX MM: The LOX states the divorce was final in XXXX and child support was paid in full. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-LOE states divorce, reasoning for finding divorce decree. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX MM: Title does show a judgement for child support however, the borrower provided a letter of explanation confirming there is no child support left to pay. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  |  | XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304896700 | Closed | 2025-12-14 10:24 | 2025-12-19 12:35 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059294 | Closed | 2026-01-14 13:23 | 2026-02-23 12:41 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Does Not Meet XXXXXXXXX Requirements tax bills provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Does Not Meet XXXXXXXXX Requirements tax bills for REO properties provided. finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Tax bills provided showing ownership in XXXX, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached - Seller-XX/XX/XXXX<br>| Resolved-Housing History Does Not Meet XXXXXXXXX Requirements tax bills provided, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Housing History Does Not Meet XXXXXXXXX Requirements tax bills for REO properties provided. finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Tax bills provided showing ownership in XXXX, finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXX XXXX- XXX XXXXX XX.XXX_XXXXX_<br> XXX XXX- XXX XXXXX XX.XXX_XXXXX_<br> XXX XXX- XXXX XXXXXXX XX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059294 | Closed | 2025-12-11 08:08 | 2025-12-23 04:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Property is PUD, DOT is not marked as PUD, Provided Updated DOT, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. full mortgage attached - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Incomplete Property is PUD but PUD Rider selection is not made in DOT. Provide updated DOT document with PUD Rider selection - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. full mortgage attached - Seller-XX/XX/XXXX<br>| Resolved-Property is PUD, DOT is not marked as PUD, Provided Updated DOT, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX XXXXXXXX-XXXX XXXXX XXXXXX.XXX_XXXXX_<br> XXXX-XXXXXXXX XXXXXXXX-XXXX XXXXX XXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059294 | Closed | 2025-12-11 08:02 | 2025-12-15 11:27 | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Business Purpose Affidavit is Missing | Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X.<br> - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide Business Purpose Affidavit which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX | Unable to Resolve-Unable to Resolve-XX Agrees to waive; please downgrade to a Non-Material Grade X.<br> - Seller-XX/XX/XXXX<br>| Acknowledged-XX Acknowledges - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 304896834 | Closed | 2025-12-13 19:39 | 2025-12-19 11:11 | Resolved | 1 - Information C A | Credit | Credit | Missing verification of self employment. | Resolved-The business documentation was provided. Company search dated XX/XX/XXXX showing borrower name as owner. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Business Docs - Due Diligence Vendor-XX/XX/XXXX <br>Open-Self Employed business narrative document is missing from file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The business documentation was provided. Company search dated XX/XX/XXXX showing borrower name as owner. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304907204 | Closed | 2025-12-16 14:53 | 2026-01-20 08:36 | Resolved | 1 - Information C A | Credit | Assets | Asset 11 Does Not Meet Guideline Requirements | Resolved-Asset XX Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-FTC at Closing from Donor - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Uploaded is statement which has already been documented. Missing Wire Transfer $XX,XXX.XX from Donor Non Borrowing Purchaser. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Asset XX Does Not Meet XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Asset XX - Quarterly statement - Due Diligence Vendor-XX/XX/XXXX <br>Open-Asset XX Does Not Meet XXXXXXXXX Requirements - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Asset XX Meets XXXXXXXXX Requirements Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304907204 | Closed | 2025-12-16 15:13 | 2026-01-20 08:31 | Resolved | 1 - Information C A | Credit | Credit | Unable to verify PITI on other mortgage related obligations (ATR) | Resolved-Uploaded Underwriter Letter of Explanation Payment Interest Tax Insurance total payment for XXX-XXX XXXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-LOX from Underwriter -- XXXX: XXXX /XXXXXXXXXXXXXXXXXXX-XXX-XXXXXXXX-XX - Due Diligence Vendor-XX/XX/XXXX <br> Open-Final XXXX Schedule of REO XXX-XXX XXXXXXXX XX Monthly Insurance, Taxes, Association Dues, etc. $X,XXX.XX. Page XXX property tax $XXX.XX month + Page XXX HOI $XXX.XX month = $XXX.XX. Missing documentation for total $X,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Uploaded Underwriter Letter of Explanation Payment Interest Tax Insurance total payment for XXX-XXX XXXXXXXX XX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304907204 | Closed | 2025-12-13 03:53 | 2026-01-06 17:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-XXX's Compliance Department has reviewed the outstanding conditions on loan file #XXXXXXX XXXX and disagrees with the statements that the Closing Protection Letter fee exceeded XXXX's tolerance threshold. XXX did, however, incorrectly disclose this fee in section B of the XX/XX Closing Disclosure when it should have been listed in section C, based on the service provider list. To rectify this, XXX has issued the borrower a PCCD with the correct placement of the fee along with a Letter of Explanation. Copies of these documents are attached with this response. Once XXX received the list of charges from the title company, they were disclosed on the Final CD. These fees may be added or changed without regard to a tolerance limitation per Regulation Z § XXXX.XX(e)(X)(iii). - Due Diligence Vendor-XX/XX/XXXX <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Closing Protection Letter. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Page XXX Final CD Closing Protection Letter $XXX vs Page XXX Initial LE $XX. No COC or Lender Credits provided to cure the tolerance. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304907304 | Closed | 2025-12-23 10:22 | 2026-01-05 23:44 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. XXXX document is missing in the file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested XXXX document provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:27 | 2026-01-20 11:19 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COCs have been updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Desk Review Fee, Inspection Fee has not increased from revised CD to final CD, COC is not required. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-COCs have been updated. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee, Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Desk Review Fee, Inspection Fee has not increased from revised CD to final CD, COC is not required. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:27 | 2026-01-20 11:08 | Resolved | 1 - Information C A | Compliance | Mavent | IA Fee Not Allowed- Title Endorsement Fee (Fee ID: 197) | Resolved-Data entry update. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Subsection XXX.X(a) of the Iowa Money and Interest Provisions does not allow Title Endorsement Fee (Fee ID: XXX) to be charged to the Borrower in IA. Title Endorsement Fee not allowed in IA state. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| Resolved-Data entry update. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:27 | 2026-01-20 11:08 | Resolved | 1 - Information C A | Compliance | Mavent | IA Fee Not Allowed- Application Fee (Fee ID: 116) | Resolved-Data entry update. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Subsection XXX.X(a) of the Iowa Money and Interest Provisions does not allow Application Fee (Fee ID: XXX) to be charged to the Borrower in IA. Application Fee not allowed in IA state - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please review upload - Seller-XX/XX/XXXX<br>| Resolved-Data entry update. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:43 | 2026-01-06 19:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided home loan toolkit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. uploaded - Buyer-XX/XX/XXXX <br>Open-Home loan toolkit is missing from file and disclosure tracking in file does not confirm receipt. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided home loan toolkit. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059295 | Closed | 2025-12-25 09:27 | 2026-01-20 11:19 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, . The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, . The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXX, . The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305028477 | Closed | 2026-01-02 09:37 | 2026-01-06 11:25 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated Rate Lock. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached. - Buyer-XX/XX/XXXX <br>Open-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Evidence of Rate Lock Missing Rate lock in file states loan is locked however per Note and loan detail sheet, p. XXX, loan is ARM IO. Updated Lock required. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Lender provided updated Rate Lock. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXX XXXXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305028477 | Closed | 2025-12-26 04:51 | 2026-01-06 02:37 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Please see attached. - Buyer-XX/XX/XXXX <br>Open-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Second Appraisal/ Valuation is missing - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX_XXXXX_XXXXXXX_(XXX).XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304874104 | Closed | 2025-12-31 05:59 | 2026-01-23 08:37 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-COC in file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-TF X/XX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-This is a High-Cost loan. The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) High Cost fee limit, which is ($XX,XXX.XX), the difference is ($X,XXX.XX). The Par Rate (Undiscounted Rate) of X.XXX% compared to the Note Rate of X.XXX is a difference of X.XXX%. Under the Florida High Risk Home Loan Act and Regulation Z, up to X bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + X (X.XXX on the rate-lock date of XX/XX/XXXX + X = X.XX%). There were no bona fide discount fees excluded. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-TF X/X A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX). The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-COC in file. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 304874104 | Closed | 2025-12-31 05:59 | 2026-01-23 08:23 | Resolved | 1 - Information C A | Compliance | Predatory:LateFees | Federal - Maximum Late Fee (01/14) | Resolved-Title XXXIII XXX.XXXXX(XX)(a) - A late payment fee may not be in excess of X percent of the amount of the payment past due. The late fee is not more than X%. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-TF X/XX A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-This is a High-Cost loan. The loan fees ($XX,XXX.XX) exceed the (XXXXXXX) High Cost fee limit, which is ($XX,XXX.XX), the difference is ($X,XXX.XX). The Par Rate (Undiscounted Rate) of X.XXX% compared to the Note Rate of X.XXX is a difference of X.XXX%. Under the Florida High Risk Home Loan Act and Regulation Z, up to X bona fide discount points may be excluded if the interest rate from which the mortgage's interest rate will be discounted does not exceed the APOR + X (X.XXX on the rate-lock date of XX/XX/XXXX + X = X.XX%). There were no bona fide discount fees excluded. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-TF X/X A portion of the fee's are being covered by Seller Credits. Please see attached Itemization of Settlement Fees and Charges. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-You submitted a late fee amount of ($XXX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. (XX CFR XXXX.XX(a)(X)(i)) Late fee amount of ($XXX.XX) and a (X.X%) Late Fee Percent. In connection with a Federal High-Cost Mortgage any late payment charge must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed X% of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Title XXXIII XXX.XXXXX(XX)(a) - A late payment fee may not be in excess of X percent of the amount of the payment past due. The late fee is not more than X%. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305013418 | Closed | 2026-01-07 08:17 | 2026-01-13 00:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure document provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-LI X/XX Please see the attached initial Closing disclosure that shows the borrower was sent the initial Closing Disclosure on XX/X and consented to it on XX/X. This meets the X business days before the closing date of XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Initial closing disclosure missing in loan file. Please provide the initial closing disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Initial Closing Disclosure document provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040446 | Closed | 2026-01-13 01:55 | 2026-01-30 03:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Requested Xrd Party VOE for BX provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - XXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Existence of the business independently verified through a disinterested third party within XX business days of closing absent from the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Requested Xrd Party VOE for BX provided, updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX XXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305028496 | Closed | 2026-01-07 09:26 | 2026-01-11 21:22 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial CD shows XX/XX/XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Document Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-LL X/X Please see attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) The GAP between Initial CD TO Final CD is not more than three business days. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Initial CD shows XX/XX/XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Document Received. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305080357 | Closed | 2026-01-13 14:06 | 2026-01-15 06:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Non-Arm's Length Transactions Not Allowed for Program | Waived-Exception waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-acknowledged - XXXXX-XX/XX/XXXX <br>Open- Exception on page XXX approved for NAL on DSCR purchase. Buyer is acting as own realtor, related to realtor. No apparent relationship between buyer and seller. Subject was openly marketed in XXX and seller represented by own separate realtor for different real estate brokerage. Recommend waiving - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Exception waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XXX XXXXXX<br> XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX%.<br> XXXXXXXX- XXX.XX XXXXXXX XXX XXXXXXXXXX XX X XXXXXX XXXXXXX XX XXX.XX XXXXXX | XXXX | Investment | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305026121 | Closed | 2026-01-12 17:14 | 2026-01-16 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Uploaded CPA letter confirms X+ years Business, Borrower XXX% Owner, Expense Ratio XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - KJ: Please see the attached CPA letter. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X CPA Letter Missing G/L Income Documentation Personal Bank Statements with no separate Business Account. Missing CPA/Tax preparer or Operating Agreement with Business Ownership XXX% and Business Active with X year history. Borrower Attestation letter no separate Business Account exists. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Uploaded CPA letter confirms X+ years Business, Borrower XXX% Owner, Expense Ratio XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305026121 | Closed | 2026-01-12 17:32 | 2026-01-16 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Uploaded CPA letter confirms X+ years Business, Borrower XXX% Owner, Expense Ratio XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - KJ: Please see the attached XXXX and CPA letter confirming an expense ratio of XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. G/L Income Documentation with Personal Bank Statement, Minimum XX% Expense Ratio. Audited DTI XX.XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Uploaded CPA letter confirms X+ years Business, Borrower XXX% Owner, Expense Ratio XX%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305029554 | Closed | 2026-01-14 00:53 | 2026-01-20 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XX - KJ: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. The XXXX document is missing from the file. Please provide the XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305030626 | Closed | 2026-01-15 07:35 | 2026-01-19 23:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX RF please see attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Document is missing Final Title Policy missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Document is fully Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305030626 | Closed | 2026-01-15 01:56 | 2026-01-19 23:47 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-X/XX RF please see attached - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Preliminary Title coverage of $XXX,XXX is insufficient for Loan Amount of $XXX,XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305031074 | Closed | 2026-01-21 21:16 | 2026-02-02 20:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Document clears finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-XX/XX/XXXX - KJ: Please see attached. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax. Please provide property tax bill. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Document clears finding. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305031074 | Closed | 2026-01-21 23:38 | 2026-01-28 09:19 | Resolved | 1 - Information C A | Compliance | Mavent | HighCost: APR/FEES | Resolved-Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within X% higher than APOR which allows for X% bonafide discount to be applied. The Undiscounted Interest Rate Price is $X. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see the attached Par Rate, The price of the undiscounted rate is $X.XX, there is no charge for undiscounted (also known as PAR) rate. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The loan fees ($XX,XXX.XX) exceed the (FEDXXXX) (Note Amount >=$XX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($XX,XXX.XX), the difference is ($X,XXX.XX). (XX CFR XXXX.XX). - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within X% higher than APOR which allows for X% bonafide discount to be applied. The Undiscounted Interest Rate Price is $X. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305031074 | Closed | 2026-01-21 23:38 | 2026-01-28 09:19 | Resolved | 1 - Information C A | Compliance | Predatory:Restrictions | Federal - Section 32 Disclosure Required (High Cost) | Resolved-Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within X% higher than APOR which allows for X% bonafide discount to be applied. The Undiscounted Interest Rate Price is $X. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see the attached Par Rate, The price of the undiscounted rate is $X.XX, there is no charge for undiscounted (also known as PAR) rate. - Due Diligence Vendor-XX/XX/XXXX <br>Open-This is a Federal High Cost Loan. Since the loan file does not contain a Section XX Sign Date, the System assumes the creditor did not furnish the Federal High Cost Section XX disclosures at least X business days prior to consummation, in violation of Reg Z. (XX CFR XXXX.XX(c) and XXXX.XX(c)) Please provide Section XX Sign Date or Undiscounted rate. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lock Action with highlighted undiscounted rate, bonafide discount (if applicable) and calculation portion. Par rate(also known as undiscounted rate) is within X% higher than APOR which allows for X% bonafide discount to be applied. The Undiscounted Interest Rate Price is $X. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305032485 | Closed | 2026-01-22 23:36 | 2026-02-06 09:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) HPML is in compliance.<br>This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was enteredthe XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX-XX appraisal disclosure was provided to the borrower(s) Pg# XXX, XXX and copy of the appraisal was given to the borrower see Pg#XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan meets HPML guidelines and is a compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) HPML is in compliance.<br>This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX. Rate lock date was enteredthe XXX. An interior and exterior appraisal was completed for this property the appraisal disclosure was provided to the borrower(s)- see Pg#XX-XX appraisal disclosure was provided to the borrower(s) Pg# XXX, XXX and copy of the appraisal was given to the borrower see Pg#XXX, XXX for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040465 | Closed | 2026-01-26 06:57 | 2026-02-17 09:25 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Cure docs uploaded for review. - Buyer-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Desk Review Fee($XXX.XX) is newly added in Final CD, Provide COC for the same - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX XXXX-XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040465 | Closed | 2026-01-26 06:51 | 2026-01-30 00:26 | Resolved | 1 - Information C A | Credit | Insurance | Master Policy Expiration Date is Prior To the Transaction Date | Resolved-Master policy Expiration date is less than Note date, provided Updated master policy, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Master Policy uploaded - Buyer-XX/XX/XXXX <br>Open-Master Policy Expiration Date of XX-XX-XXXX is Prior To the Transaction Date of XX-XX-XXXX Provide updated Master Policy which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Master policy Expiration date is less than Note date, provided Updated master policy, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Master Policy Expiration Date of XX-XX-XXXX is Equal to or After the Transaction Date of XX-XX-XXXX Or Master Policy Expiration Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX XXX XXXXXX XXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048624 | Closed | 2026-01-30 01:09 | 2026-02-06 02:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Bank statements & LOX already present in file, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Exception email drirect from Deephaven - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Borrower X Business Bank Statements Missing Loan is qualified with XX months bank statements but we have only three months bank statements in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Exception email drirect from Deephaven - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Bank statements & LOX already present in file, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXXX XXXXX.XXX_XXXXX_<br> XXXXXX XXXXXXXXX XXXXX XXXXXX XXXX XXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048624 | Closed | 2026-01-30 03:10 | 2026-02-03 10:49 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-waived with comp factors - Due Diligence Vendor-XX/XX/XXXX <br>Open-We have UW exception to use XXX% of personal bank account deposits at page #XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-waived with comp factors - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX X%.<br> XXX,XXX.XX XXXXXXXX XXXXXX XXX XXXXXXX XXXXXXXX XX $XX,XXX.XX XXXXXXX XXX XXXXXXX XX XX XXXXXX XXXX XXX XXXXXXXX XXXXXXX.<br>| XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305048484 | Closed | 2026-02-04 12:42 | 2026-03-10 17:19 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Amendment to Contract provided in Findings reflecting the SP of $XXX,XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please review upload - Buyer-XX/XX/XXXX <br>Counter-Noting the Discrepancy between the Sales Price on the Final CD of $XXX,XXX and the SP on the XXXX and Loan Approval reflect the SP as $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-This was a new build so there was no closing date on the contract. It was a moving target - Buyer-XX/XX/XXXX <br>Open-The Final CD, p XXX & XXX, reflects the Sale Price as $XXX,XXX while the contract, XXXX and Loan Approval reflect the SP as $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Amendment to Contract provided in Findings reflecting the SP of $XXX,XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXXXXX XX XXX XXXXX XXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048484 | Closed | 2026-02-02 02:47 | 2026-02-04 12:23 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX-XXX and the Final Closing disclosure on page XXX-XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see pages XX-XX, XX-XX, XXX-XXX. The appraisal disclosure was provided to the borrower(s)- see page XXXX-XXXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page XXX-XXX and the Final Closing disclosure on page XXX-XXX reflects escrows. Rate lock date was entered correctly – see page XXX. An interior and exterior appraisal was completed for this property – see pages XX-XX, XX-XX, XXX-XXX. The appraisal disclosure was provided to the borrower(s)- see page XXXX-XXXX and copy of the appraisal was given to the borrower – see page XXX. The loan meets HPML guidelines. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048531 | Closed | 2026-02-03 23:45 | 2026-03-17 16:35 | Waived | 2 - Non-Material C B | Credit | Assets | Asset Page Cash Out Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Document Uploaded. Exception already made prior to closing - please rescind finding. - Buyer-XX/XX/XXXX <br>Open-Cash Out Does Not Meet Guideline Requirements EXCEPTION ON PAGE#XXXX<br>Exception review - approved to exceed max of XXXk cash out - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXXXX XXXXXXX.XXX |  | XXX XX XX.XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%.<br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305048533 | Closed | 2026-02-04 01:24 | 2026-02-05 18:20 | Waived | 2 - Non-Material B | Credit | Credit | Cash out funds exceed guideline requirement. | Waived-Lender provided approved exception in file, p. XXXX, to exceed max of XXXk c/o. Finding waived. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Lender provided approved exception in file, p. XXXX, to exceed max of XXXk c/o. Finding waived. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XX% XXX XX XXXXX XXX XXXXXXX XX.XX% XXX XX XX.XX%.<br> XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305040466 | Closed | 2026-02-05 09:33 | 2026-02-10 04:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-VOE for XX XXXXXXXXXX X XXXXXXXXXXXX XXXXXXX XXX dated X/XX/XX provided within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing Verification of business existence required within XX business days of closing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-VOE for XX XXXXXXXXXX X XXXXXXXXXXXX XXXXXXX XXX dated X/XX/XX provided within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXX XXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048565 | Closed | 2026-02-04 03:32 | 2026-03-05 16:32 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Exception was made prior to close - XXXXXXXXX approved exception, please rescind - Buyer-XX/XX/XXXX <br>Open-Audited Loan Amount $XX,XXX is less than Guideline Minimum Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Audited Loan Amount is less than Guideline Minimum Loan Amount - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XXX XXXXXXXXXXXXXX XXXXXX XXXXX XXXXXXX XXX XXXXXXX XXXXXXXX XX XXX XX XX XXXXXX.<br> XXXX XXXXXXXX XXXXXXX XXX XX XXXXXX. XXXX XXXXX XX X.XXX XXXXXXX XXX XXXXXXX XXXXXXXXXXX XX X XX X.XXX XXXXXX. | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305048399 | Closed | 2026-02-06 14:26 | 2026-03-05 07:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Lease Agreements uploaded - Seller-XX/XX/XXXX <br>Counter-Leases are missing in file to verify rent from lease - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller rebuttal uploaded for review. - Seller-XX/XX/XXXX <br>Open-Audited LTV of XX% exceeds Guideline LTV of XX% Max LTV is XX% for vacant property on a refinance an exception was not provided - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Lease Agreements uploaded - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Seller rebuttal uploaded for review. - Seller-XX/XX/XXXX<br>| Resolved-Audited LTV of XX% is less than or equal to Guideline LTV of XX% - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXX XXXXXXXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXX XXXXX XXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048399 | Closed | 2026-02-02 21:53 | 2026-02-13 03:56 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. CDA uploaded for review. - Seller-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation is missing is this file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. CDA uploaded for review. - Seller-XX/XX/XXXX<br>| Resolved-Requested secondary valuation provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048399 | Closed | 2026-02-02 22:20 | 2026-02-13 03:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Requested initial Business Purpose Affidavit Disclosure provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit is missing in this file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Seller-XX/XX/XXXX<br>| Resolved-Requested initial Business Purpose Affidavit Disclosure provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXX XXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048399 | Closed | 2026-02-04 21:26 | 2026-02-13 01:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-Requested Prepayment Rider Provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Prepayment Rider uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Prepayment Rider missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested Prepayment Rider Provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXX XXXXXX XXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048412 | Closed | 2026-02-02 22:08 | 2026-02-17 03:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Initial BPA is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Present', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Initial BPA uploaded for review. - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Initial Business Purpose Affidavit Disclosure is missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Initial BPA is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXX XXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048459 | Closed | 2026-02-05 08:10 | 2026-02-09 07:40 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Per external counsel it is appropriate to acknowledged with a Grade B<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-The loan's (X.XXX%) APR equals or exceeds the XXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) Per external counsel it is appropriate to acknowledged with a Grade B<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Post-Close | No |
| XXXX | XXXX | XXXX | 305048459 | Closed | 2026-02-05 08:10 | 2026-02-09 07:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XXX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040447 | Closed | 2026-02-06 08:44 | 2026-02-11 09:11 | Waived | 2 - Non-Material C B | Credit | Eligibility | Seller Contribution Exceeds Program Maximum | Waived-IPC X% vs X% max for purchase with preferred seller. Exception on pg XXX. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX agrees with this exception - Buyer-XX/XX/XXXX <br>Open-Made exception on pg XXX, for IPC X% vs X% max for purchase with preferred seller; as per XX Correspondent GL dated XX/XX/XXXX, Max allowed IPC is X%, Audited IPC is X%<br> - Due Diligence Vendor-XX/XX/XXXX |  | Waived-IPC X% vs X% max for purchase with preferred seller. Exception on pg XXX. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XX.XX% XXX XX XXXXX XXX XXXXXXX XX% XXX XX XX.XX%.<br> XXXXXXXX XXX $XX,XXX.XX XXXXXXXX XXXXXX XXXXX XXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXX XX $X,XXX. | XXXX | Primary Residence | Purchase | NA | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305048373 | Closed | 2026-02-06 04:40 | 2026-02-19 07:45 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Articles of Organization uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Articles of organization missing from the file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Validation Resolved' Please provide Articles of Incorporation or comparable documents. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXX XXXX XXX - XXXXXXXX XX XXXXXXXXX_XXXXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048373 | Closed | 2026-02-08 23:25 | 2026-02-13 04:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Fraud Report uploaded for review - Buyer-XX/XX/XXXX <br>Open-Missing Third Party Fraud Report Please provide copy of Fraud Identity or report to verify Fraud/OFAC etc. the provided document risk assessment on page XXX is not readable. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXX XXXX XXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-09 00:13 | 2026-03-12 08:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Doc Locator is Missing or Partial | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower executed Guaranty provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find Guaranty - Seller-XX/XX/XXXX <br>Open-Guaranty Agreement Doc is Missing or Partial Provide guaranty agreement with borrower signature & date. Signatures missing in guaranty document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find Guaranty - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Borrower executed Guaranty provided. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-08 23:40 | 2026-03-12 07:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find recorded executed DOT/ with notary page - Buyer-XX/XX/XXXX <br>Counter-The DOT provided did not include the notary signature / date. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find DOT signed. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Provide Deed of trust with borrower signature & date. DOT signature & date missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find DOT signed. - Seller-XX/XX/XXXX<br>|  | XXXXXXXXXX_XXXXXXXX_XXX.XXX_XXXXX_<br> XXXXXXXXXX_XXXXXXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-08 23:24 | 2026-03-10 18:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find XXXX signed - Seller-XX/XX/XXXX <br>Open-The Final XXXX is Missing Signed final XXXX for all borrowers was not provided in the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find XXXX signed - Seller-XX/XX/XXXX<br>| Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-09 05:49 | 2026-03-10 18:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find BP & OA form signed - Buyer-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. Provide Final business purpose & occupancy affidavit. Final business purpose affidavit missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-09 04:32 | 2026-03-10 18:15 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find final closed CD- signed - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provide Final closing disclosure with borrower signature & date. Borrower signature missing in final closing disclosure.<br> HUD settlement statement in file was not borrower signed.<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find final closed CD- signed - Seller-XX/XX/XXXX<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-08 23:41 | 2026-03-10 18:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please find note signed - Seller-XX/XX/XXXX <br>Open-The Note is Missing Provide Note with borrower signature & date. Borrower sign & date missing in note document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please find note signed - Seller-XX/XX/XXXX<br>| Resolved-The Note is Present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX_XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048585 | Closed | 2026-02-09 02:22 | 2026-03-09 13:52 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Document Uploaded. Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Unable to Resolve-Unable to Resolve-Exception made for loan amount < $XXXK prior to closing - please rescind finding. - Buyer-XX/XX/XXXX <br>Open-Audited Loan Amount of $XXXXX is less than the XXXXXXXXX Minimum Loan Amount of $XXXXXX Per XXXXXXXXX matrix dated XX/XX/XXXX minimum loan amount $XXX,XXX not meeting XXXXXXXXX loan amount $XX,XXX. An Exception was not provided.<br> - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Document Uploaded. Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XXX XXXX<br> X.XX XXXX, XXX XX X | XXXX | Investment | Refinance | Cash Out - Other | XXXX | Originator Pre-Close | Yes |
| XXXX | XXXX | XXXX | 305040618 | Closed | 2026-02-09 03:34 | 2026-02-10 13:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305040618 | Closed | 2026-02-09 03:34 | 2026-02-10 13:45 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX-XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-10 13:42 | 2026-02-27 07:07 | 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) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX<br>| Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXX - XXXXX XXXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-18 02:36 | 2026-02-27 07:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Missing Evidence of Property Tax Evidence of property tax missing in file to verify the annual taxes of $X,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Evidence of property tax missing in file to verify the annual taxes of $X,XXX.XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Evidence of Property Tax is present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXX XXXX XXXXXXXX XXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 05:27 | 2026-02-24 06:13 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal for subject property provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXX-XX/XX/XXXX <br>Open-Appraisal is Missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Appraisal is Missing duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Appraisal for subject property provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Appraisal is Present or is Waived - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Rescinded-Appraisal is Missing duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 08:45 | 2026-02-24 06:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-per title the contract is not expired this was a pre-construction contract signed before the home was built - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-per title the contract is not expired this was a pre-construction contract that was signed years ago before the home was built - XXXXXX-XX/XX/XXXX <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing On page #XXX-XXX Purchase Contract in file but it is expired dated X/XX/XX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-per title the contract is not expired this was a pre-construction contract that was signed years ago before the home was built - XXXXXX-XX/XX/XXXX<br>| Resolved-Purchase Contract Doc is not Missing, or is Not Applicable. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-per title the contract is not expired this was a pre-construction contract signed before the home was built - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-10 13:41 | 2026-02-24 06:13 | Resolved | 1 - Information D A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Missing Primary Appraisal - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-24 01:26 | 2026-02-24 06:13 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Primary Value Appraisal is Expired, Check XXXX Completion date if available to confirm if expired. (Days Difference is XXX) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 04:26 | 2026-02-24 01:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Third Party Market Rent Source (IE. 1007, 1025, etc.) | Resolved-Third party market rent estimate provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX <br>Open-Third party market rent estimate is missing, a document establishing third party market rent source is missing from file, such as a XXXX, XXXX, etc. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - XXXXXX-XX/XX/XXXX<br>| Resolved-Third party market rent estimate provided. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 05:49 | 2026-02-24 01:32 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirements | Resolved-DSCR Meets XXXXXXXXX Requirements as Third Party Market Rent available under appraisal document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Uploaded - XXXXXX-XX/XX/XXXX <br>Open-Due the Missing Third Party Market Rent hence unable to calculate the DSCR value. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-DSCR Does Not Meet XXXXXXXXX Requirements Due the Missing Third Party Market Rent hence unable to calculate the DSCR value. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Uploaded - XXXXXX-XX/XX/XXXX<br>| Resolved-DSCR Meets XXXXXXXXX Requirements as Third Party Market Rent available under appraisal document. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054665 | Closed | 2026-02-09 05:43 | 2026-02-18 02:42 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) assets provided in file $XXXXX.XX does not meet guidelines requirement for reserves of X months - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. attached - Seller-XX/XX/XXXX<br>| Resolved-Audited Reserves of X.XX month(s) are greater than or equal to Guideline Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XX XXXXXXXXXXXXX XXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305031482 | Closed | 2026-02-11 10:15 | 2026-03-20 13:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final CD received. Updated as XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Document provided has an issued date of X/XX/XXXX and an addendum dated X/XX/XXXX, a CD was provided in the file with a date of X/XX/XXXX. Please provide the Final Closing Disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-CT X/XX: Please see the attached // - Due Diligence Vendor-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final CD received. Updated as XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305031482 | Closed | 2026-03-20 12:25 | 2026-03-20 12:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). . - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305031482 | Closed | 2026-02-09 23:40 | 2026-02-24 22:24 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved <br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX RF please see attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved <br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305039610 | Closed | 2026-02-10 02:20 | 2026-03-05 11:44 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Document is sufficient to cure the finding. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-LL X/X Please see the attached Letter of Explanation, Corrected Closing Disclosure, Refund Check, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Credit Report Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Credit report fee was increased from $XXX to $XXX under revised LE but COC is missing in file for the increase. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Cured-Document is sufficient to cure the finding. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305039610 | Closed | 2026-02-10 00:17 | 2026-03-02 01:21 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-please see attadhed doc JK X.XX - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title coverage amount of $XXX,XXX is less than loan amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final Title Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305051090 | Closed | 2026-02-11 22:55 | 2026-02-18 07:49 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated HOI uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXX XXXXXX XX.X.XX_XXXXXXXXXX XXXX - XXXXXXXXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305051090 | Closed | 2026-02-11 23:44 | 2026-02-12 02:43 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX,XX and copy of the appraisal was given to the borrower – see Pg #XXXX,XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg #XXX and the Final Closing disclosure on Pg #XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg #XXX An interior and exterior appraisal was completed for this property – see Pg #XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg #XXXX,XX and copy of the appraisal was given to the borrower – see Pg #XXXX,XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 09:37 | 2026-02-24 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Required Affiliated RESPA Business Disclosure is Missing | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-FACTS doc received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Required Affiliated RESPA Business Disclosure is Missing Provide Affiliated RESPA Business Disclosure - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-FACTS doc received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 09:38 | 2026-02-17 05:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Present'. Business Purpose Affidavit is required for a DSCR loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Initial BPA E-signed received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Provide the Initial and Final Business Purpose Affidavit Disclosures. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is DSCR.) - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Initial BPA E-signed received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXXX XXXXXXX XXXXXXXX XXXXXXX XXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 04:43 | 2026-02-12 12:49 | Resolved | 1 - Information C A | Compliance | Closing | HUD-1 not executed properly | Resolved-Executed Alta- Statement and HUD-X received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-HUD - X is not executed. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Executed Alta- Statement and HUD-X received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXX XXXXXXX - XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 09:59 | 2026-02-12 12:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Prepayment Rider | Resolved-X-X Rider and PPP Rider received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Provide executed Prepayment Rider - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-X-X Rider and PPP Rider received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXXXXX XXXXXXX - XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 02:56 | 2026-02-12 12:42 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Executed DOT received - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-See condition for Rider. - Seller-XX/XX/XXXX <br>Open-The Deed of Trust is Missing Singed DOT is not in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-See condition for Rider. - Seller-XX/XX/XXXX<br>| Resolved-Executed DOT received - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 02:05 | 2026-02-12 12:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Waived-Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXX.XXX |  | XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX<br> XXXX- XXXX XXXX X.XXX, XX XXXXXXXXXXX X.X | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | Originator Post-Close | Yes |
| XXXX | XXXX | XXXX | 305054668 | Closed | 2026-02-11 10:10 | 2026-02-11 13:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-HOI Policy received - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy Provide HOI Policy - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-HOI Policy received - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305047760 | Closed | 2026-02-12 06:18 | 2026-03-03 07:19 | Resolved | 1 - Information C A | Credit | Credit | DSCR Does Not Meet Guideline Requirement | Resolved-Used the provided information to calculate rental income primarily for unit X which is vacant using XX% of market rent with the other X units actual rent deducting monthly expenses for gross rental amount which results in a X.XXXX DSCR. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Our calculated DSCR is Rent/PITIA = $XXXXX.XX/$XX,XXX.XX= X.XXX DSCR whereas as per loan approval page XXX and DSCR worksheet page XXX DSCR is X.XXX.<br>Rent Schedule on page #XX, Reduced X% fixed expenses from rent $XX,XXX \* X% = $XX,XXX.XX as the management fee is missing in appraisal. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Used the provided information to calculate rental income primarily for unit X which is vacant using XX% of market rent with the other X units actual rent deducting monthly expenses for gross rental amount which results in a X.XXXX DSCR. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305047760 | Closed | 2026-02-12 04:42 | 2026-02-25 06:44 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Does Not Meet Guideline Requirements The provided documentation shows primary paid XX mos and then refinanced with a new loan. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see supplement report-- it was paid off/refinanced, see attached first pymt letter. - Seller-XX/XX/XXXX <br>Open-Housing History Does Not Meet Guideline Requirements Housing history is X months, provide XX months housing history for the property XXX XXXXX XXXXXX XXXXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see supplement report-- it was paid off/refinanced, see attached first pymt letter. - Seller-XX/XX/XXXX<br>| Resolved-Housing History Does Not Meet Guideline Requirements The provided documentation shows primary paid XX mos and then refinanced with a new loan. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305034666 | Closed | 2026-02-11 22:55 | 2026-03-27 02:54 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Requested updated title policy with the updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-please see attached doc JK - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested updated title policy with the updated coverage amount that covers loan amount provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054662 | Closed | 2026-02-12 22:43 | 2026-02-24 01:40 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Provided Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated Flood Ins uploaded for review. - Buyer-XX/XX/XXXX <br>Open-Flood Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Updated as per available Flood doc. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Provided Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Flood Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Flood Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX XXXX - XXXXXXX XXXXX XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054662 | Closed | 2026-02-12 22:43 | 2026-02-24 01:40 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Provided Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Updated HOI uploaded for review. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Updated as per available HOI doc. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated HOI uploaded for review. - Seller-XX/XX/XXXX<br>| Resolved-Provided Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX_XXXXXXXX XXXX - XXXXXXX XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305054662 | Closed | 2026-02-13 08:14 | 2026-02-18 17:44 | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. DH approves exception - Buyer-XX/XX/XXXX <br>Open-Delinquent Credit History Does Not Meet XXXXXXXXX Requirements Exception to allow charge-offs to remain open is approved. X COVID era accounts charged off for approx. $XXk can remain unpaid. Borrower has sufficient reserves to PIF and still qualifies with X% payment include at Waived-Exception Approved - Due Diligence Vendor-XX/XX/XXXX<br>XXXXXXXXXX_XXXX XXXXX.XXX XXX XX XX%. XXXXXXX XXXXXXX XXX XXXXXXXXXX XX XX%. <br> XXXXXXXX(X) XXXX XX.XX XXXXXX XXXXXXXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX X XXXXXX. <br> XXXXXX XXXXX XX XXX. XXXXXXX XXXXXXXX XXX XXXXXXXXXX XX XXX <br> XXXX Primary Residence Purchase NA XXXX Investor Post-Close No |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 04:21 | 2026-03-11 09:41 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Document received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX/XXXX - KJ: Please see the attached wire receipts for the gift of $XX,XXX received from XXXXX XX XXXXX. Two wires of $X,XXX and $XX,XXX were sent for this gift. - Due Diligence Vendor-XX/XX/XXXX <br>Counter-Wire confirmations provided match documentation in file verifying Gift Assets X, X, and X. Gift Asset X, in the amount of $XX,XXX is missing verification of $XXXX from account #XXXX. Additional verification of $XX,XXX provided in file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-XX/XX/XXXX - KJ: Please see attached. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Asset X Does Not Meet XXXXXXXXX Requirements Provide the proof of gift amount for the remaining $X,XXX out of $XX,XXX amount deposited into escrow. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Document received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 04:55 | 2026-03-11 09:39 | Resolved | 1 - Information C A | Compliance | Fees:Limited | North Carolina - Fees Limitation | Resolved-Borrower was refunded. COC acceptable. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-TF X/XX Disagree - The discount charged meets the requirement set forth in XX-X.XA(c)(X)(b). The law for this test simply states 'fees paid to lender' and does not differentiate who pays the fee. The Discount Points truly reduced the rate, which makes it allowed. The definition of Discount is different than the definition for the high cost test and therefore it is allowable to exclude the discount. The buydown is ((Par X.XXX% - Interest rate X.XXX%) / Discount points charged X.XX) \* XXX = XX.XXX%. $XXX,XXX.XX \* X% / by X = $XXX.XX is the XX Permissible Fee. Fees Being included Processing fee $X,XXX.XX - Threshold $XXX.XX = $XXX.XX due to the Borrower for the XX High Cost. Please see attached Choice letter, Proof of Delivery, and refund check that was completed on X/XX/XXXX - Due Diligence Vendor-XX/XX/XXXX <br>Counter-PCCD reflecting Tolerance cure for reimbursement missing. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-TF X/XX Please see attached Choice letter, Proof of Delivery, and refund check. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-Fees paid to lender exceed the threshold. Under the XXXXXXXXX XXXXXXXX Interest Provisions, on a first lien closed end loan less than $XXX,XXX, lender fees not specifically authorized by statute are limited to ($XXX.XX), which is the greater of X/X of X% of the loan amount or $XXX. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($XX,XXX.XX). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (X.X. Gen. Stat. XX-X.XA(c)(X); XX-X(d); XX-XX(d)) (Fees paid to lender exceed the threshold. Under the XXXXXXXXX XXXXXXXX Interest Provisions, on a first lien closed end loan less than $XXX,XXX, lender fees not specifically authorized by statute are limited to ($XXX.XX), which is the greater of X/X of X% of the loan amount or $XXX. The total amount of "lender fees not specifically authorized by statute" and included in the test is ($XX,XXX.XX). Fees excluded from the test: Application Fee, Application Deposit, Commitment (Rate Lock) Fee, Temporary Buydown Fee, Loan Origination Fee, "bona fide" Loan Discount, Prepaid Interest, and Interest Due on a Prior Loan. (X.X. Gen. Stat. XX-X.XA(c)(X); XX-X(d); XX-XX(d)) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower was refunded. COC acceptable. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 04:55 | 2026-02-26 16:24 | Acknowledged | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming) | Acknowledged-Client acknowledged. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-LI X/XX Disagree. There is not comp charged on this loan. - Due Diligence Vendor-XX/XX/XXXX <br> Counter-Please provide the high-price mortgage disclosure. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-LI X/XX Disagree - Our Contract states that XXXX will buy HPML as long as all the requirements were met as they were on this loan. Please see the attached document that shows the borrower received the Appraisal on X/X. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open-The loan's (X.XX%) APR equals or exceeds the XXXXXXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i)) (The loan's (X.XX%) APR equals or exceeds the XXXXXXXXX XXXXXXXX Rate Spread Home Loan first lien conforming loan threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(X.X. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(i))) - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Acknowledged-Client acknowledged. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | Investor Post-Close | No |
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 03:40 | 2026-02-24 22:19 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-X/XX RF please see attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Provide Title Covering Loan Amount $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Updated Title Commitment uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305038036 | Closed | 2026-02-14 04:55 | 2026-02-18 09:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX, and copy of the appraisal was given to the borrower – see Pg#'s XX for the copy of the disclosure. The loan meets HPML guidelines.<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048271 | Closed | 2026-02-17 21:17 | 2026-02-25 04:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Resolved, Updated Trid Final and ran Mavent. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Page #X of Final CD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provide the final Closing Disclosure page X is missing from the loan file. Mavent was ran, but page X is missing as we have not taken any fees from page X of the final CD. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved, Updated Trid Final and ran Mavent. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Page #X of Final CD uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XX - XXX XXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048271 | Closed | 2026-02-17 22:27 | 2026-02-20 04:19 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | Louisiana - Interest Rate Accrual | Resolved-Resolved, Updated the final CD. - Due Diligence Vendor-XX/XX/XXXX <br> Open-Under the XXXXXXXXX Interest Provisions, finance charges may not begin to accrue before the loan funds are disbursed. (XXXX. Rev. Stat. Ann. X:XXXX.X(A)) Review (Under the XXXXXXXXX Interest Provisions, finance charges may not begin to accrue before the loan funds are disbursed. (XXX Rev. Stat. Ann. X:XXXX.X(A)) - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved, Updated the final CD. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305042642 | Closed | 2026-02-20 08:59 | 2026-02-24 08:27 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Debt monitoring received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-UDM - Due Diligence Vendor-XX/XX/XXXX <br>Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). A gap credit or Undisclosed Debt Monitoring report is required no more than XX days prior to loan closing or any time after <br> closing. The gap credit in the file was dated X/XX/XXXX, the loan closed on X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Debt monitoring received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305042642 | Closed | 2026-02-18 03:26 | 2026-02-23 23:32 | Resolved | 1 - Information C A | Credit | Assets | Asset General | Resolved-EMD funds of $XX,XXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-ATTACHED - Due Diligence Vendor-XX/XX/XXXX <br>Open-Provide Deposit proof for EMD $XX,XXX which is missing from loan file - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-EMD funds of $XX,XXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305051412 | Closed | 2026-02-18 22:18 | 2026-03-16 16:34 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Within XX days after excluding weekends - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Within XX days after excluding weekends - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305051412 | Closed | 2026-02-18 22:18 | 2026-03-16 16:34 | Resolved | 1 - Information C A | Credit | Closing | Borrower 2 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Within XX days after excluding weekends - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Borrower X Gap Credit Report is not expired. - Due Diligence Vendor-XX/XX/XXXX <br>Rescinded-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Within XX days after excluding weekends - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305051412 | Closed | 2026-02-18 22:35 | 2026-03-16 10:14 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Estimated Taxes, Insurance, & Assessments "In escrow? is incomplete or inaccurate " | Resolved-Lender provided PC CD, LOX and email proof of delivery. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached LOE PCCD and proof of delivery - Seller-XX/XX/XXXX <br>Open-Upon review of evidence of insurance in file, p. XXXX, annual premium is XX,XXX.XX/XX=XXXX.XX per month. Final CD in file shows monthly premium amount of $XXXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached LOE PCCD and proof of delivery - Seller-XX/XX/XXXX<br>| Resolved-Lender provided PC CD, LOX and email proof of delivery. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXX XX.XXX_XXXXX_<br> XXXXXXXXXX XXXX.XXX_XXXXX_<br> XXXXXXXXXX XXXXX XX XXXXXXXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305051412 | Closed | 2026-02-23 18:03 | 2026-03-12 10:53 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX.XX is equal to or greater than Required Coverage Amount of $XXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-RCE confirms borrower has sufficient coverage. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see the replacement cost estimate of $X,XXX,XXX.XX. Kindly review and clear this finding. - Buyer-XX/XX/XXXX <br>Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'N/A' Total hazard coverage including RCE value is $X,XXX,XXX.XX which is less than loan amount of $X,XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Hazard Insurance Coverage Amount of $XXXXXXX.XX is equal to or greater than Required Coverage Amount of $XXXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-RCE confirms borrower has sufficient coverage. Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305042626 | Closed | 2026-02-24 15:48 | 2026-03-02 12:45 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-The Dec page for XXXXX XXXXXXXX and the RCE for both XXXXX XXXXXXXX and XXXXX XXXXXXXX XXXX were provided in Findings. The Property Insurance screen has been updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br> Open-The Hazard Insurance Coverage Amount is less than Required Coverage Amount. The Coverage Amount from the two Dec Pages provided total $XXX,XXX which is less than the LA of $XXX,XXX. The third Dec Page with the coverage amount is missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Dec page for XXXXX XXXXXXXX and the RCE for both XXXXX XXXXXXXX and XXXXX XXXXXXXX XXXX were provided in Findings. The Property Insurance screen has been updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Hazard Insurance Coverage Amount of $XXXXXX is equal to or greater than Required Coverage Amount of $XXXXXX or Guaranteed Replacement Coverage is present (Guaranteed Replacement Coverage indicator is 'N/A') - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX XXX - XXX XXXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX - XXX XXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX - XXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305042626 | Closed | 2026-02-24 12:05 | 2026-03-02 12:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-The Dec page for XXXXX XXXXXXXX and the RCE for both XXXXX XXXXXXXX and XXXXX XXXXXXXX XXXX were provided in Findings. The Property Insurance screen has been updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br> Open-Missing Hazard Insurance Policy This is a XXXX-unit property. The IEADS reflects the hazard insurance premium of $X,XXX.XX. There are two Hazard Insurance Dec Pages in file: X) XXXXX XXXXXXXX XXXX – property insurance p XXX-XXX, Rent Loss $XX,XXX, Coverage Amount of $XXX,XXX, Premium $XXXX.XX, RCE is in file; and X) XXXXX XXXXXXXX XXXX – property insurance p XXX-XXX, Rent Loss $XX,XXX, Coverage Amount of $XXX,XXX, RCE is missing, Premium $XXXX.XX. The total of the two premium amounts is $XXXX.XX. The remaining Hazard Dec Page with the premium amount of $XXXX.XX and RCE is missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Dec page for XXXXX XXXXXXXX and the RCE for both XXXXX XXXXXXXX and XXXXX XXXXXXXX Ave were provided in Findings. The Property Insurance screen has been updated. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXXXXX XXX - XXX XXXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX XXX - XXX - XXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX - XXX XXXX.XXX_XXXXX_<br> XXXXX XXXXXXXX - XXX XXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305042626 | Closed | 2026-02-24 15:54 | 2026-03-02 12:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Other Rider is Missing | Resolved-The Assignment of Leases and Rents Rider was provided in Findings: XXXXXX XXXXX - XXXXXXXX XXXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Uploaded - Buyer-XX/XX/XXXX <br>Open-The Assignment of Leases and Rents Rider referenced in the DOT is missing. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Assignment of Leases and Rents Rider was provided in Findings: XXXXXX XXXXX - XXXXXXXX XXXXXX.XXX. Resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXXX - XXXXXXX XXXXXX.XXX |  |  | XXXX | Investment | Refinance | No Cash Out - Borrower Initiated | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305048302 | Closed | 2026-02-24 23:06 | 2026-03-11 05:06 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see fair rental value cov up to XX months - Buyer-XX/XX/XXXX <br>Counter-Property insurance does not include rent loss, thus the reasoning for adding additional X months worth of reserve requirements, bringing total to X months. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We only need three months reserves for the DSCR cash out refi program- with CD attached and cash out-we have well over that - Buyer-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) Loan required X month's of reserves but, there is only X.XX month's reserves from cash out and no Asset's in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXXXXX - XXXXXXXX XXXXXXX XXXXXXXXXX.XXX_XXXXX_<br> XXX-XXXX-XXXXXXXXXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305039459 | Closed | 2026-02-25 02:23 | 2026-03-03 00:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Requested a complete third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Fraud Reports attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-Third Party Fraud Report Partially Provided Provide Fraud Report Missing in File. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Requested a complete third party fraud report provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX_XXXXX_<br> XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305039459 | Closed | 2026-02-25 02:58 | 2026-03-02 23:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Initial CD attached - Due Diligence Vendor-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure Missing File. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Initial Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX_X.XXX |  |  | XXXX | Primary Residence | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059350 | Closed | 2026-02-27 05:21 | 2026-03-05 06:11 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation is missing in file. Guidelines state X-X unit properties are required to provide a full appraisal and commercial BPO on all properties. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXX_XXXXX- XXXXXXXXXX XX XXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305059350 | Closed | 2026-02-27 05:55 | 2026-03-05 00:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-prepayment status is not reflected, provided updated HUD-X, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. attached - Buyer-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing. Thee provided HUD doc states 'No' to the Prepayment information. However, the Note lists a X year stepdown PPP. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-prepayment status is not reflected, provided updated HUD-X, Changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXX_XXXXX-XXX XXXXXXXXX.XXX |  |  | XXXX | Investment | Purchase | NA | XXXX | N/A | N/A |
| XXXX | XXXX | XXXX | 305061744 | Closed | 2026-03-10 03:04 | 2026-03-17 04:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-XX/XX/XXXX <br>Open-Missing Hazard Insurance Policy Hazard Insurance Policy document missing in file. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Hazard Insurance Policy provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXX XXXXXXXX-XXXXXX (XXX).XXX_XXXXX_<br> XXXXXXXXX - XXXX XX XXXX.XXX |  |  | XXXX | Investment | Refinance | Cash Out - Other | XXXX | N/A | N/A |

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## Exhibit 99.44

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.44**

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| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | XXXX | 304498025 | XXXX A |
| XXXX | XXXX | 304498148 | XXXX C A |
| XXXX | XXXX | 304701957 | XXXX A D B |
| XXXX | XXXX | 304717898 | XXXX C A |
| XXXX | XXXX | 304730967 | XXXX D A B |
| XXXX | XXXX | 304730970 | XXXX C D A B |
| XXXX | XXXX | 304734520 | XXXX D A B |
| XXXX | XXXX | 304731335 | XXXX A D B |
| XXXX | XXXX | 304493490 | XXXX C D A B |
| XXXX | XXXX | 304757419 | XXXX D C A |
| XXXX | XXXX | 304734712 | XXXX A |
| XXXX | XXXX | 304734711 | XXXX C A |
| XXXX | XXXX | 304765373 | XXXX D B A |
| XXXX | XXXX | 304730921 | XXXX A |
| XXXX | XXXX | 304818172 | XXXX D A |
| XXXX | XXXX | 304763820 | XXXX C A |
| XXXX | XXXX | 304731895 | XXXX D A C |
| XXXX | XXXX | 304734699 | XXXX D A C |
| XXXX | XXXX | 304819308 | XXXX D A |
| XXXX | XXXX | 304825252 | XXXX B A |
| XXXX | XXXX | 304840755 | XXXX A D B |
| XXXX | XXXX | 304827036 | XXXX D C A B |
| XXXX | XXXX | 304840759 | XXXX D A |
| XXXX | XXXX | 304845622 | XXXX A |
| XXXX | XXXX | 304840761 | XXXX A |
| XXXX | XXXX | 304852979 | XXXX A |
| XXXX | XXXX | 304898639 | XXXX A |
| XXXX | XXXX | 304898656 | XXXX A |
| XXXX | XXXX | 304898803 | XXXX A |
| XXXX | XXXX | 304898745 | XXXX A |
| XXXX | XXXX | 304898832 | XXXX A |
| XXXX | XXXX | 304898675 | XXXX D A |
| XXXX | XXXX | 304898672 | XXXX A |
| XXXX | XXXX | 304898652 | XXXX A |
| XXXX | XXXX | 304898784 | XXXX A |
| XXXX | XXXX | 304898782 | XXXX A |
| XXXX | XXXX | 304898693 | XXXX D A |
| XXXX | XXXX | 304898685 | XXXX A |
| XXXX | XXXX | 304898659 | XXXX C A B |
| XXXX | XXXX | 304898635 | XXXX A |
| XXXX | XXXX | 304898633 | XXXX A |
| XXXX | XXXX | 304898821 | XXXX D A |
| XXXX | XXXX | 305040459 | XXXX A D |
| XXXX | XXXX | 305040467 | XXXX D A |
| XXXX | XXXX | 305040468 | XXXX D A |
| XXXX | XXXX | 304818257 | XXXX B A D |
| XXXX | XXXX | 304896201 | XXXX C D A B |
| XXXX | XXXX | 304893522 | XXXX D A B |
| XXXX | XXXX | 304896420 | XXXX A D |
| XXXX | XXXX | 304889669 | XXXX D A |
| XXXX | XXXX | 304896700 | XXXX A |
| XXXX | XXXX | 305059294 | XXXX D A B |
| XXXX | XXXX | 304907271 | XXXX A |
| XXXX | XXXX | 304896834 | XXXX C A |
| XXXX | XXXX | 304875965 | XXXX A |
| XXXX | XXXX | 304907204 | XXXX C A |
| XXXX | XXXX | 304909614 | XXXX A |
| XXXX | XXXX | 304907304 | XXXX D A |
| XXXX | XXXX | 304908622 | XXXX A |
| XXXX | XXXX | 305059295 | XXXX A D |
| XXXX | XXXX | 305028477 | XXXX A D |
| XXXX | XXXX | 304903224 | XXXX A |
| XXXX | XXXX | 304909401 | XXXX A |
| XXXX | XXXX | 304874104 | XXXX A C |
| XXXX | XXXX | 304908520 | XXXX A |
| XXXX | XXXX | 304909836 | XXXX A |
| XXXX | XXXX | 305013418 | XXXX A D |
| XXXX | XXXX | 305040446 | XXXX D A |
| XXXX | XXXX | 305028496 | XXXX A C |
| XXXX | XXXX | 305029293 | XXXX A |
| XXXX | XXXX | 305080357 | XXXX C A B |
| XXXX | XXXX | 305026121 | XXXX D A |
| XXXX | XXXX | 305029554 | XXXX D A |
| XXXX | XXXX | 305030626 | XXXX D A |
| XXXX | XXXX | 305036079 | XXXX A |
| XXXX | XXXX | 305028195 | XXXX A |
| XXXX | XXXX | 305027093 | XXXX A |
| XXXX | XXXX | 305031074 | XXXX D C A |
| XXXX | XXXX | 305032485 | XXXX D A |
| XXXX | XXXX | 305036561 | XXXX A |
| XXXX | XXXX | 305040465 | XXXX C A |
| XXXX | XXXX | 305048624 | XXXX D A B |
| XXXX | XXXX | 305054666 | XXXX A |
| XXXX | XXXX | 305048484 | XXXX A C |
| XXXX | XXXX | 305031485 | XXXX A |
| XXXX | XXXX | 305048531 | XXXX C A B |
| XXXX | XXXX | 305048533 | XXXX B A |
| XXXX | XXXX | 305040466 | XXXX D A |
| XXXX | XXXX | 305048565 | XXXX C A B |
| XXXX | XXXX | 305048399 | XXXX D A |
| XXXX | XXXX | 305048412 | XXXX D A |
| XXXX | XXXX | 305048459 | XXXX A B |
| XXXX | XXXX | 305040447 | XXXX C A B |
| XXXX | XXXX | 305048544 | XXXX A |
| XXXX | XXXX | 305048373 | XXXX D A |
| XXXX | XXXX | 305048585 | XXXX D A B |
| XXXX | XXXX | 305040618 | XXXX A |
| XXXX | XXXX | 305054665 | XXXX D A |
| XXXX | XXXX | 305034526 | XXXX A |
| XXXX | XXXX | 305031482 | XXXX C D A |
| XXXX | XXXX | 305039610 | XXXX C A B |
| XXXX | XXXX | 305036793 | XXXX A |
| XXXX | XXXX | 305031108 | XXXX A |
| XXXX | XXXX | 305051090 | XXXX C A |
| XXXX | XXXX | 305054668 | XXXX D A B |
| XXXX | XXXX | 305047760 | XXXX C A |
| XXXX | XXXX | 305034537 | XXXX A |
| XXXX | XXXX | 305034666 | XXXX C A |
| XXXX | XXXX | 305054662 | XXXX C A B |
| XXXX | XXXX | 305048416 | XXXX A |
| XXXX | XXXX | 305038036 | XXXX C A B |
| XXXX | XXXX | 305048271 | XXXX A D |
| XXXX | XXXX | 305047506 | XXXX A |
| XXXX | XXXX | 305042642 | XXXX C A |
| XXXX | XXXX | 305030695 | XXXX A |
| XXXX | XXXX | 305051412 | XXXX C A |
| XXXX | XXXX | 305042626 | XXXX D A |
| XXXX | XXXX | 305045999 | XXXX A |
| XXXX | XXXX | 305048557 | XXXX A |
| XXXX | XXXX | 305054827 | XXXX A |
| XXXX | XXXX | 305048302 | XXXX C A |
| XXXX | XXXX | 305039459 | XXXX D A |
| XXXX | XXXX | 305047494 | XXXX A |
| XXXX | XXXX | 305059350 | XXXX D A |
| XXXX | XXXX | 305048512 | XXXX A |
| XXXX | XXXX | 305055010 | XXXX A |
| XXXX | XXXX | 305061744 | XXXX D A |
| XXXX | XXXX | 305048370 | XXXX A |
| XXXX | XXXX | 305061098 | XXXX A |
| XXXX | XXXX | 305064795 | XXXX A |
| XXXX | XXXX | 305054828 | XXXX A |

---

## Exhibit 99.45

[J.P. MORGAN ACCEPTANCE CORPORATION II ABS-15G](jpmmt-abs15g.htm)

**Exhibit 99.45**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | XXXX | 304498025 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 | XXXX |
| XXXX | XXXX | 304498148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | XXXX | 304701957 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304717898 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 304730967 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304730970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.84 | 47.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304734520 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304731335 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0400 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -.0400 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304493490 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.81 | 73.81 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  | XXXX | Not Eligible |  |  |
| XXXX | XXXX | 304757419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.0 | 50.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.5 | XXXX |
| XXXX | XXXX | 304734712 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.06 | 64.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304734711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.77 | 64.77 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | XXXX | 304765373 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0067 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0067 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304730921 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.46 | 38.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304818172 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 58.38 | 58.38 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | XXXX | 304763820 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304731895 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0196 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0196 | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304734699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 64.1 | 64.1 | XXXX | XXXX |  |  | XXXX | XXXX | .0256 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0256 | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304819308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 54.95 | 54.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304825252 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.79 | 55.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304840755 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304827036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0345 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0345 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304840759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.89 | 64.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | XXXX | 304845622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.27 | 63.27 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 304840761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.44 | 62.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  | 1 | XXXX |
| XXXX | XXXX | 304852979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898656 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898745 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.55 | 72.55 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 304898832 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898675 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898672 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898652 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0153 | AVM |  |  |  |  |  | XXXX | XXXX | .0153 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 304898782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | -.0162 | AVM |  |  |  |  |  | XXXX | XXXX | -.0162 | 91.0 | 0.09 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898659 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898635 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304898633 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | XXXX | 304898821 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 305040459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305040467 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305040468 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304818257 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0270 | 71A |  |  |  |  | XXXX | XXXX | .0270 | XXXX | 71A |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304896201 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304893522 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 66.12 | 66.12 | XXXX | XXXX | -.0083 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -.0083 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304896420 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 72.78 | 72.78 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304889669 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | XXXX | 304896700 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305059294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | XXXX | 304907271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.84 | 64.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304896834 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304875965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304907204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304909614 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 304907304 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.81 | 78.81 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 304908622 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | -.0543 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0543 | 97.0 | 0.03 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305059295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305028477 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .1104 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .1104 | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304903224 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304909401 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | 94.0 | 0.06 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 304874104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 304908520 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | XXXX | 304909836 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.49 | 76.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305013418 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.4 | XXXX |
| XXXX | XXXX | 305040446 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305028496 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 74.15 | 74.15 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.2 | XXXX |
| XXXX | XXXX | 305029293 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 305080357 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305026121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305029554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305030626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305036079 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 56.99 | 56.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305028195 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.89 | 79.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.1 | XXXX |
| XXXX | XXXX | 305027093 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 63.62 | 63.62 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 | XXXX |
| XXXX | XXXX | 305031074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | XXXX | 305032485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305036561 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 79.87 | 79.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305040465 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| XXXX | XXXX | 305048624 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0922 | 83.0 | 0.17 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305054666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048484 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305031485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | XXXX | 305048531 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048533 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305040466 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | -.0251 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0251 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048565 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048399 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305040447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 89.99 | 89.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | XXXX | 305048544 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048373 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305048585 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305040618 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305054665 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 72.27 | 72.27 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305034526 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 62.26 | 62.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305031482 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 76.25 | 76.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1.6 | XXXX |
| XXXX | XXXX | 305036793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305031108 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.97 | 64.97 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | XXXX | 305051090 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305054668 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 71.25 | 71.25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305047760 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 71A | XXXX | XXXX | XXXX | XXXX | 63.51 | 63.51 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305034537 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305034666 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 64.99 | 64.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305054662 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305048416 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305038036 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305048271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | XXXX | 305047506 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | XXXX | 305042642 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX |
| XXXX | XXXX | 305030695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305051412 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0105 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0105 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| XXXX | XXXX | 305042626 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 53.06 | 53.06 | XXXX | XXXX | .0437 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0437 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305045999 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0124 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0124 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 73.73 | 73.73 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0068 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | XXXX | 305054827 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048302 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305039459 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | XXXX | 305047494 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0143 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0143 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305059350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305055010 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 44.0 | 44.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305061744 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | -.0171 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | -.0171 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305048370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305061098 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 55.0 | 55.0 | XXXX | XXXX | .0182 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0182 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305064795 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Other | XXXX | XXXX | XXXX | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | XXXX | 305054828 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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